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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 $3,484. This offer applies to Stock #W4313, VIN 3VVGR7RM4TM050051. 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: $41,167. Advertised price: $37,683. Savings: $3,484, 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": "$41,167"}, {"label": "Advertised price", "value": "$37,683"}, {"label": "Savings", "value": "$3,484, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,484", "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": "2026-07-26T16:50:21Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37683.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM050051_finance_60", "type": "finance_60", "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": 37683.0, "price_incl_doc": 37683.0, "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": 764.59, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 45875.47, "finance_charge": 5837.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4313, VIN 3VVGR7RM4TM050051. $765 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,875. 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_3VVGR7RM4TM050051_finance_72", "type": "finance_72", "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": 37683.0, "price_incl_doc": 37683.0, "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": 663.36, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 47761.88, "finance_charge": 7723.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4313, VIN 3VVGR7RM4TM050051. $663 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,762. 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_3VVGR7RM4TM050051_finance_84", "type": "finance_84", "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": 37683.0, "price_incl_doc": 37683.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 594.35, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 49925.46, "finance_charge": 9887.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4313, VIN 3VVGR7RM4TM050051. $594 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,925. 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_3VVGR7RM4TM050051_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": 41167.0, "selling_price": 37683.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 480.61, "net_cap_cost": 38358.0, "residual_value": 25523.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 480.61, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 640.61}, "total_of_payments": 17316, "total_of_payments_unrounded": 17301.96}, "disclosure": "Estimated lease payment for stock #W4313, VIN 3VVGR7RM4TM050051. $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 $41,167. Lease selling price $37,683. Net capitalized cost $38,358. Residual value $25,524, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM050051_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": 41167.0, "selling_price": 37683.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.31, "net_cap_cost": 35359.0, "residual_value": 25523.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.31}, "total_of_payments": 13932, "total_of_payments_unrounded": 13943.16}, "disclosure": "Estimated lease payment for stock #W4313, VIN 3VVGR7RM4TM050051. $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 $41,167. Lease selling price $37,683. Net capitalized cost $35,359. Residual value $25,524, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 26, "elapsed_ms": 444}}, {"vin": "WBA13BK00PCN76925", "title": "2023 BMW 5 Series M550i xDrive", "year": 2023, "make": "BMW", "model": "5 Series", "trim": "M550i xDrive", "decoded_trim": "xDrive", "condition": "used", "price": 58949.0, "msrp": 58949.0, "sale_price": 59724.0, "currency": "USD", "mileage": 33926, "exterior_color": "Carbon Black Metallic", "interior_color": "Ivory White", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Twin Turbo Premium Unleaded V-8 4.4 L/268", "engine_displacement_l": 4.4, "engine_cylinders": 8, "transmission": "8-Speed Automatic w/OD", "mpg_city": 17, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0545", "stock_status": "Available", "availability": "In Stock", 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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 58949.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wba13bk00pcn76925/2023-bmw-5-series-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wba13bk00pcn76925/2023-bmw-5-series-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WBA13BK00PCN76925.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WBA13BK00PCN76925.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WBA13BK00PCN76925.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wba13bk00pcn76925/2023-bmw-5-series-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0545, VIN WBA13BK00PCN76925. Advertised price: $58,949. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$58,949"}], "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": "2026-07-26T16:50:21Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 58949.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WBA13BK00PCN76925_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1471, "unit": "per_month", "display": "$1,471/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": 58949.0, "price_incl_doc": 58949.0, "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": 1470.66, "amount_financed": 62633.31, "sales_tax": 3684.31, "total_of_payments": 70591.58, "finance_charge": 7958.27, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0545, VIN WBA13BK00PCN76925. $1,471 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $58,949, before any dealer documentation fee. Amount financed $62,633, including $3,684 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $70,592. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WBA13BK00PCN76925_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1225, "unit": "per_month", "display": "$1,225/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 58949.0, "price_incl_doc": 58949.0, "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": 1225.2, "amount_financed": 62633.31, "sales_tax": 3684.31, "total_of_payments": 73511.96, "finance_charge": 10878.65, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0545, VIN WBA13BK00PCN76925. $1,225 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $58,949, before any dealer documentation fee. Amount financed $62,633, including $3,684 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $73,512. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WBA13BK00PCN76925_finance_72", "type": "finance_72", "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": 58949.0, "price_incl_doc": 58949.0, "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": 1067.53, "amount_financed": 62633.31, "sales_tax": 3684.31, "total_of_payments": 76862.52, "finance_charge": 14229.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0545, VIN WBA13BK00PCN76925. $1,068 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $58,949, before any dealer documentation fee. Amount financed $62,633, including $3,684 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $76,863. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 17, "elapsed_ms": 392}}, {"vin": "3VVGR7RM4TM144141", "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": "new", "price": 38549.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White w/Deep Black Roof", "interior_color": "Grigio & 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": "W4752", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/845b68ab67124962867fb4060d10e61f.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/845b68ab67124962867fb4060d10e61f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e55467a5ce5147e5a93d7e2e7d2248d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b21e70ef6c0d4e5ba7164c9f0b2be7c6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d1ab444f1c24626b93ba22aa93f8030.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/083bb3dfc22146629003d9ec38295b52.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/81473b0be4a14d52a85d75772dfa93ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c40a0e918a64418978e34f1de6de4a0.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm144141/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm144141/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM4TM144141.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM144141.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM144141.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm144141/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,527. This offer applies to Stock #W4752, VIN 3VVGR7RM4TM144141. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:21Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM144141_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4752, VIN 3VVGR7RM4TM144141. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM4TM144141_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4752, VIN 3VVGR7RM4TM144141. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM4TM144141_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4752, VIN 3VVGR7RM4TM144141. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM4TM144141_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4752, VIN 3VVGR7RM4TM144141. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM144141_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4752, VIN 3VVGR7RM4TM144141. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 28, "elapsed_ms": 444}}, {"vin": "3VVMR7RM1TM066257", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 10, "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, "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": "VD261998", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm1tm066257/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm1tm066257/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM1TM066257.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM1TM066257.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM1TM066257.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm1tm066257/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD261998, VIN 3VVMR7RM1TM066257. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:21Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM1TM066257_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261998, VIN 3VVMR7RM1TM066257. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM1TM066257_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261998, VIN 3VVMR7RM1TM066257. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM1TM066257_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261998, VIN 3VVMR7RM1TM066257. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM066257_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD261998, VIN 3VVMR7RM1TM066257. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM1TM066257_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD261998, VIN 3VVMR7RM1TM066257. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 449}}, {"vin": "3VV2C7B26TM052114", "title": "2026 Volkswagen Taos SE Black", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE Black", "decoded_trim": "4Motion SE Black", "condition": "new", "price": 33164.0, "msrp": 35438.0, "sale_price": 33164.0, "currency": "USD", "mileage": 6, "exterior_color": "Deep Black 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4445", "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 $2,274. This offer applies to Stock #W4445, VIN 3VV2C7B26TM052114. 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: $35,438. Advertised price: $33,164. Savings: $2,274, 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": "$35,438"}, {"label": "Advertised price", "value": "$33,164"}, {"label": "Savings", "value": "$2,274, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,274", "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": "2026-07-26T16:50:21Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33164.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B26TM052114_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": 33164.0, "price_incl_doc": 33164.0, "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": 672.9, "amount_financed": 35236.75, "sales_tax": 2072.75, "total_of_payments": 40374.01, "finance_charge": 5137.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4445, VIN 3VV2C7B26TM052114. $673 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,164, before any dealer documentation fee. Amount financed $35,237, including $2,073 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,374. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B26TM052114_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": 33164.0, "price_incl_doc": 33164.0, "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": 583.81, "amount_financed": 35236.75, "sales_tax": 2072.75, "total_of_payments": 42034.2, "finance_charge": 6797.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4445, VIN 3VV2C7B26TM052114. $584 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,164, before any dealer documentation fee. Amount financed $35,237, including $2,073 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,034. 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_3VV2C7B26TM052114_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": 33164.0, "price_incl_doc": 33164.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.08, "amount_financed": 35236.75, "sales_tax": 2072.75, "total_of_payments": 43938.33, "finance_charge": 8701.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4445, VIN 3VV2C7B26TM052114. $523 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,164, before any dealer documentation fee. Amount financed $35,237, including $2,073 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,938. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B26TM052114_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": 35438.0, "selling_price": 33164.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.2, "net_cap_cost": 33839.0, "residual_value": 21971.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 599.2}, "total_of_payments": 15804, "total_of_payments_unrounded": 15811.2}, "disclosure": "Estimated lease payment for stock #W4445, VIN 3VV2C7B26TM052114. $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 $35,438. Lease selling price $33,164. Net capitalized cost $33,839. Residual value $21,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV2C7B26TM052114_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": 35438.0, "selling_price": 33164.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 345.91, "net_cap_cost": 30840.0, "residual_value": 21971.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 345.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3504.91}, "total_of_payments": 12456, "total_of_payments_unrounded": 12452.76}, "disclosure": "Estimated lease payment for stock #W4445, VIN 3VV2C7B26TM052114. $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 $35,438. Lease selling price $33,164. Net capitalized cost $30,840. Residual value $21,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XXG64J21MG073824_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. 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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_5XXG64J21MG073824_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": 18380.0, "price_incl_doc": 18380.0, "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": 382.01, "amount_financed": 19528.75, "sales_tax": 1148.75, "total_of_payments": 22920.66, "finance_charge": 3391.91, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0919A, VIN 5XXG64J21MG073824. $382 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,380, before any dealer documentation fee. Amount financed $19,529, including $1,149 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,921. 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_5XXG64J21MG073824_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": 18380.0, "price_incl_doc": 18380.0, "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": 332.85, "amount_financed": 19528.75, "sales_tax": 1148.75, "total_of_payments": 23965.35, "finance_charge": 4436.6, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0919A, VIN 5XXG64J21MG073824. $333 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,380, before any dealer documentation fee. Amount financed $19,529, including $1,149 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,965. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $5,455. This offer applies to Stock #VD261898, VIN 1V2FN2CA4TC534082. 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: $57,136. Advertised price: $51,681. Savings: $5,455, 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": "$57,136"}, {"label": "Advertised price", "value": "$51,681"}, {"label": "Savings", "value": "$5,455, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,455", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51681.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA4TC534082_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 1048.61, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 62916.7, "finance_charge": 8005.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261898, VIN 1V2FN2CA4TC534082. $1,049 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC534082_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 909.78, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 65503.85, "finance_charge": 10592.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261898, VIN 1V2FN2CA4TC534082. $910 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,504. 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_1V2FN2CA4TC534082_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.13, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 68471.13, "finance_charge": 13560.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261898, VIN 1V2FN2CA4TC534082. $815 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,471. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC534082_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": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 639.62, "net_cap_cost": 52356.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 639.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 799.62}, "total_of_payments": 23040, "total_of_payments_unrounded": 23026.32}, "disclosure": "Estimated lease payment for stock #VD261898, VIN 1V2FN2CA4TC534082. $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 $57,136. Lease selling price $51,681. Net capitalized cost $52,356. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA4TC534082_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.33, "net_cap_cost": 49357.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3705.33}, "total_of_payments": 19656, "total_of_payments_unrounded": 19667.88}, "disclosure": "Estimated lease payment for stock #VD261898, VIN 1V2FN2CA4TC534082. $546 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,705, made up of $546 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,136. Lease selling price $51,681. Net capitalized cost $49,357. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 206}}, {"vin": "KMHLM4DG8TU223346", "title": "2026 Hyundai Elantra SEL Sport", "year": 2026, "make": "Hyundai", "model": "Elantra", "trim": "SEL Sport", "decoded_trim": "SEL Sport", "condition": "used", "price": 22991.0, "msrp": 22991.0, "sale_price": 22999.0, "currency": "USD", "mileage": 10, "exterior_color": "Ecotronic Gray", "interior_color": "Gray", "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": "LHD260948", "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/c40c1737488e4a469d846ab37cb0b462.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c40c1737488e4a469d846ab37cb0b462.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e797b242c7624850908c6555c76ba512.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5110fa587e9344b69383a337bbff3d46.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8091b4d3558941b6a78261e8991a01b0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80fa177b84b34f0a86ef17738ef54cf9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e070bbb850545f6a320bb78e2452ff2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3520d6681ad443378692d6a37f02a598.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7ed69fdc1ed4c9d986c032ec99bf0e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a52ee94c50bf4a389722ef549134d561.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ca86915489eb4f23b05b93cfc7e63ab7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ff31b8f6f414290a97361a8aee4d2c6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b4ae062bc64648fb870c942407b01e8c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a923107c19fc4df58ed2f269f831479c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb56572518e64179b756e4a4093c3d14.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3576626f44cf472ea90d231325d33a81.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37786f63de9843c8a47f70ee1dc171dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/734f13ea433942cebf7c8dcf0d8fce22.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f4cf747e14044f78905bf5da7028f3b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1677223944d9436da811edbd0d44ab5b.jpg"], "vin_decode": {"make": "Hyundai", "model": "Elantra", "year": 2026, "trim": "SEL Sport", "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": 22991.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/KMHLM4DG8TU223346.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmhlm4dg8tu223346/2026-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmhlm4dg8tu223346/2026-hyundai-elantra-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KMHLM4DG8TU223346.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KMHLM4DG8TU223346.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KMHLM4DG8TU223346.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmhlm4dg8tu223346/2026-hyundai-elantra-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #LHD260948, VIN KMHLM4DG8TU223346. Advertised price: $22,991. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$22,991"}], "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": "2026-07-26T16:50:21Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22991.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHLM4DG8TU223346_finance_48", "type": "finance_48", "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": 22991.0, "price_incl_doc": 22991.0, "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": 573.58, "amount_financed": 24427.94, "sales_tax": 1436.94, "total_of_payments": 27531.79, "finance_charge": 3103.85, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260948, VIN KMHLM4DG8TU223346. $574 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,991, before any dealer documentation fee. Amount financed $24,428, including $1,437 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,532. 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_KMHLM4DG8TU223346_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22991.0, "price_incl_doc": 22991.0, "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": 477.85, "amount_financed": 24427.94, "sales_tax": 1436.94, "total_of_payments": 28670.78, "finance_charge": 4242.84, "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. $478 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,991, before any dealer documentation fee. Amount financed $24,428, including $1,437 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,671. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22991.0, "price_incl_doc": 22991.0, "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": 416.35, "amount_financed": 24427.94, "sales_tax": 1436.94, "total_of_payments": 29977.55, "finance_charge": 5549.61, "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. $416 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,991, before any dealer documentation fee. Amount financed $24,428, including $1,437 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,978. 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. 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": 150}}, {"vin": "3VVGR7RM1TM115907", "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": "new", "price": 38500.0, "msrp": 42017.0, "sale_price": 38500.0, "currency": "USD", "mileage": 6, "exterior_color": "Monterey Blue w/Deep Black Roof", "interior_color": "Grigio & 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": "W4609", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm115907/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM1TM115907.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM115907.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM115907.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm115907/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,517. This offer applies to Stock #W4609, VIN 3VVGR7RM1TM115907. 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: $42,017. Advertised price: $38,500. Savings: $3,517, 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": "$42,017"}, {"label": "Advertised price", "value": "$38,500"}, {"label": "Savings", "value": "$3,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,517", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38500.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM1TM115907_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38500.0, "price_incl_doc": 38500.0, "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": 781.17, "amount_financed": 40906.25, "sales_tax": 2406.25, "total_of_payments": 46870.09, "finance_charge": 5963.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4609, VIN 3VVGR7RM1TM115907. $781 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,500, before any dealer documentation fee. Amount financed $40,906, including $2,406 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,870. 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_3VVGR7RM1TM115907_finance_72", "type": "finance_72", "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": 38500.0, "price_incl_doc": 38500.0, "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": 677.74, "amount_financed": 40906.25, "sales_tax": 2406.25, "total_of_payments": 48797.4, "finance_charge": 7891.15, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4609, VIN 3VVGR7RM1TM115907. $678 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,500, before any dealer documentation fee. Amount financed $40,906, including $2,406 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,797. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM115907_finance_84", "type": "finance_84", "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": 38500.0, "price_incl_doc": 38500.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.24, "amount_financed": 40906.25, "sales_tax": 2406.25, "total_of_payments": 51007.89, "finance_charge": 10101.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4609, VIN 3VVGR7RM1TM115907. $607 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,500, before any dealer documentation fee. Amount financed $40,906, including $2,406 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,008. 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_3VVGR7RM1TM115907_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": 42017.0, "selling_price": 38500.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 491.31, "net_cap_cost": 39175.0, "residual_value": 26050.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.31}, "total_of_payments": 17676, "total_of_payments_unrounded": 17687.16}, "disclosure": "Estimated lease payment for stock #W4609, VIN 3VVGR7RM1TM115907. $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 $42,017. Lease selling price $38,500. Net capitalized cost $39,175. Residual value $26,051, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM1TM115907_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": 42017.0, "selling_price": 38500.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.02, "net_cap_cost": 36176.0, "residual_value": 26050.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.02}, "total_of_payments": 14328, "total_of_payments_unrounded": 14328.72}, "disclosure": "Estimated lease payment for stock #W4609, VIN 3VVGR7RM1TM115907. $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 $42,017. Lease selling price $38,500. Net capitalized cost $36,176. Residual value $26,051, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 11532.0, "price_incl_doc": 11532.0, "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": 239.68, "amount_financed": 12252.75, "sales_tax": 720.75, "total_of_payments": 14380.9, "finance_charge": 2128.15, "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. $240 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $11,532, before any dealer documentation fee. Amount financed $12,253, including $721 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $14,381. 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": 11532.0, "price_incl_doc": 11532.0, "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": 208.84, "amount_financed": 12252.75, "sales_tax": 720.75, "total_of_payments": 15036.36, "finance_charge": 2783.61, "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. $209 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $11,532, before any dealer documentation fee. Amount financed $12,253, including $721 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $15,036. 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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,015. This offer applies to Stock #W4538, VIN 1V2BN2CA9TC575693. 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: $52,883. Advertised price: $47,868. Savings: $5,015, 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": "$52,883"}, {"label": "Advertised price", "value": "$47,868"}, {"label": "Savings", "value": "$5,015, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,015", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47868.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA9TC575693_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 971, "unit": "per_month", "display": "$971/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47868.0, "price_incl_doc": 47868.0, "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": 971.25, "amount_financed": 50859.75, "sales_tax": 2991.75, "total_of_payments": 58274.74, "finance_charge": 7414.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4538, VIN 1V2BN2CA9TC575693. $971 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,868, before any dealer documentation fee. Amount financed $50,860, including $2,992 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,275. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC575693_finance_72", "type": "finance_72", "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": 47868.0, "price_incl_doc": 47868.0, "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": 842.65, "amount_financed": 50859.75, "sales_tax": 2991.75, "total_of_payments": 60671.01, "finance_charge": 9811.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4538, VIN 1V2BN2CA9TC575693. $843 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,868, before any dealer documentation fee. Amount financed $50,860, including $2,992 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,671. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC575693_finance_84", "type": "finance_84", "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": 47868.0, "price_incl_doc": 47868.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.99, "amount_financed": 50859.75, "sales_tax": 2991.75, "total_of_payments": 63419.36, "finance_charge": 12559.61, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4538, VIN 1V2BN2CA9TC575693. $755 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,868, before any dealer documentation fee. Amount financed $50,860, including $2,992 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,419. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC575693_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52883.0, "selling_price": 47868.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 594.63, "net_cap_cost": 48543.0, "residual_value": 32787.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 594.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 754.63}, "total_of_payments": 21420, "total_of_payments_unrounded": 21406.68}, "disclosure": "Estimated lease payment for stock #W4538, VIN 1V2BN2CA9TC575693. $595 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $755, made up of $595 first payment, $60 title, $100 registration. MSRP $52,883. Lease selling price $47,868. Net capitalized cost $48,543. Residual value $32,787, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,420. 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_1V2BN2CA9TC575693_lease", "type": "lease", "label": "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": 52883.0, "selling_price": 47868.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 501.34, "net_cap_cost": 45544.0, "residual_value": 32787.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 501.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3660.34}, "total_of_payments": 18036, "total_of_payments_unrounded": 18048.24}, "disclosure": "Estimated lease payment for stock #W4538, VIN 1V2BN2CA9TC575693. $501 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,660, made up of $501 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,883. Lease selling price $47,868. Net capitalized cost $45,544. Residual value $32,787, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 216}}, {"vin": "3VVGR7RMXTM147691", "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": "new", "price": 37732.0, "msrp": 41226.0, "sale_price": 37732.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "W4750", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/2d339b89b0404185bdf31f450572f74d.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/2d339b89b0404185bdf31f450572f74d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e45079f7c13c4e6591ef0241a2a1081d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/25e8e3c8c0874d2980516ec334ff3693.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad12e87b8e5443eb96636e4398557db6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ad05a2b408c4deb8a73f22e2268f3c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5561fb92cced4e939a482a8f4183b619.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bae65078af78433683ad98f8d48becb7.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41226.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rmxtm147691/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rmxtm147691/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RMXTM147691.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RMXTM147691.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RMXTM147691.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rmxtm147691/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,494. This offer applies to Stock #W4750, VIN 3VVGR7RMXTM147691. 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: $41,226. Advertised price: $37,732. Savings: $3,494, 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": "$41,226"}, {"label": "Advertised price", "value": "$37,732"}, {"label": "Savings", "value": "$3,494, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,494", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37732.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RMXTM147691_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": 37732.0, "price_incl_doc": 37732.0, "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": 765.59, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 45935.12, "finance_charge": 5844.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4750, VIN 3VVGR7RMXTM147691. $766 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,935. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RMXTM147691_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": 37732.0, "price_incl_doc": 37732.0, "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": 664.22, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 47823.98, "finance_charge": 7733.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4750, VIN 3VVGR7RMXTM147691. $664 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,824. 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_3VVGR7RMXTM147691_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": 37732.0, "price_incl_doc": 37732.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.12, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 49990.38, "finance_charge": 9900.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4750, VIN 3VVGR7RMXTM147691. $595 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,990. 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_3VVGR7RMXTM147691_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": 41226.0, "selling_price": 37732.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 481.11, "net_cap_cost": 38407.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 481.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 641.11}, "total_of_payments": 17316, "total_of_payments_unrounded": 17319.96}, "disclosure": "Estimated lease payment for stock #W4750, VIN 3VVGR7RMXTM147691. $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 $41,226. Lease selling price $37,732. Net capitalized cost $38,407. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RMXTM147691_lease", "type": "lease", "label": "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": 41226.0, "selling_price": 37732.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.82, "net_cap_cost": 35408.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.82}, "total_of_payments": 13968, "total_of_payments_unrounded": 13961.52}, "disclosure": "Estimated lease payment for stock #W4750, VIN 3VVGR7RMXTM147691. $388 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,547, made up of $388 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,226. Lease selling price $37,732. Net capitalized cost $35,408. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 216}}, {"vin": "JM3KFBCL9H0154086", "title": "2017 Mazda CX-5 Touring", "year": 2017, "make": "Mazda", "model": "CX-5", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 16770.0, "msrp": 16770.0, "sale_price": 16777.0, "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": 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"https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbcl9h0154086/2017-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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: $16,770. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$16,770"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16770.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 418, "unit": "per_month", "display": "$418/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16770.0, "price_incl_doc": 16770.0, "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": 418.38, "amount_financed": 17818.13, "sales_tax": 1048.13, "total_of_payments": 20082.13, "finance_charge": 2264.0, "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. $418 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,770, before any dealer documentation fee. Amount financed $17,818, including $1,048 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,082. 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_JM3KFBCL9H0154086_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 349, "unit": "per_month", "display": "$349/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16770.0, "price_incl_doc": 16770.0, "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": 348.55, "amount_financed": 17818.13, "sales_tax": 1048.13, "total_of_payments": 20912.92, "finance_charge": 3094.79, "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. $349 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,770, before any dealer documentation fee. Amount financed $17,818, including $1,048 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,913. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 304, "unit": "per_month", "display": "$304/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16770.0, "price_incl_doc": 16770.0, "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": 303.7, "amount_financed": 17818.13, "sales_tax": 1048.13, "total_of_payments": 21866.1, "finance_charge": 4047.97, "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. $304 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,770, before any dealer documentation fee. Amount financed $17,818, including $1,048 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,866. 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"}], "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": 163}}, {"vin": "3VVVX7B27RM054920", "title": "2024 Volkswagen Taos 4Motion SE", "year": 2024, "make": "Volkswagen", "model": "Taos", "trim": "4Motion SE", "decoded_trim": "4Motion SE", "condition": "used", "price": 24400.0, "msrp": 24400.0, "sale_price": 5750.0, "currency": "USD", "mileage": 8529, "exterior_color": "Black", "interior_color": "Charcoal Black", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "diesel", "doors": 4, "seating_capacity": null, "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": null, "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,400"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24400.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVX7B27RM054920_finance_48", "type": "finance_48", "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": 24400.0, "price_incl_doc": 24400.0, "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": 608.73, "amount_financed": 25925.0, "sales_tax": 1525.0, "total_of_payments": 29219.07, "finance_charge": 3294.07, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 3VVVX7B27RM054920. $609 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,400, before any dealer documentation fee. Amount financed $25,925, including $1,525 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,219. 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_3VVVX7B27RM054920_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": 24400.0, "price_incl_doc": 24400.0, "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": 507.13, "amount_financed": 25925.0, "sales_tax": 1525.0, "total_of_payments": 30427.86, "finance_charge": 4502.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 3VVVX7B27RM054920. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,400, before any dealer documentation fee. Amount financed $25,925, including $1,525 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,428. 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_3VVVX7B27RM054920_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24400.0, "price_incl_doc": 24400.0, "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": 441.87, "amount_financed": 25925.0, "sales_tax": 1525.0, "total_of_payments": 31814.71, "finance_charge": 5889.71, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 3VVVX7B27RM054920. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,400, before any dealer documentation fee. Amount financed $25,925, including $1,525 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,815. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 28, "elapsed_ms": 195}}, {"vin": "1V2HN2CA9TC591113", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44170.0, "msrp": 48993.0, "sale_price": 44170.0, "currency": "USD", "mileage": 15, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4706", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/82d5fc4d314f4f2fb57242c2fda79bb3.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/82d5fc4d314f4f2fb57242c2fda79bb3.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/a75c09ec153f4746a8ec6c4c055cada9.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/bb835441769b484d8be30aa21fd524c8.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/fe13e20f876d44bab2d58be277e5deb4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/eed6022d2d9d4bc688d23632ce7f79c4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/c29e04f3bfc84b029d69deca6c0039f6.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b729a580ac314421bc8fd142ac82bdb5.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48993.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc591113/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc591113/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA9TC591113.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA9TC591113.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA9TC591113.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc591113/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,823. This offer applies to Stock #W4706, VIN 1V2HN2CA9TC591113. 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: $48,993. Advertised price: $44,170. Savings: $4,823, 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": "$48,993"}, {"label": "Advertised price", "value": "$44,170"}, {"label": "Savings", "value": "$4,823, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,823", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44170.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA9TC591113_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 896, "unit": "per_month", "display": "$896/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44170.0, "price_incl_doc": 44170.0, "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": 896.21, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 53772.78, "finance_charge": 6842.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4706, VIN 1V2HN2CA9TC591113. $896 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,773. 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_1V2HN2CA9TC591113_finance_72", "type": "finance_72", "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": 44170.0, "price_incl_doc": 44170.0, "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": 777.55, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 55983.93, "finance_charge": 9053.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4706, VIN 1V2HN2CA9TC591113. $778 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,984. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA9TC591113_finance_84", "type": "finance_84", "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": 44170.0, "price_incl_doc": 44170.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 696.67, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 58519.96, "finance_charge": 11589.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4706, VIN 1V2HN2CA9TC591113. $697 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,520. 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_1V2HN2CA9TC591113_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 48993.0, "selling_price": 44170.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.93, "net_cap_cost": 44845.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.93}, "total_of_payments": 19692, "total_of_payments_unrounded": 19689.48}, "disclosure": "Estimated lease payment for stock #W4706, VIN 1V2HN2CA9TC591113. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $48,993. Lease selling price $44,170. Net capitalized cost $44,845. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2HN2CA9TC591113_lease", "type": "lease", "label": "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": 48993.0, "selling_price": 44170.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 453.64, "net_cap_cost": 41846.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.64}, "total_of_payments": 16344, "total_of_payments_unrounded": 16331.04}, "disclosure": "Estimated lease payment for stock #W4706, VIN 1V2HN2CA9TC591113. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,993. Lease selling price $44,170. Net capitalized cost $41,846. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 251}}, {"vin": "3VVER7RM2TM115860", "title": "2026 4Motion SE", "year": 2026, "make": null, "model": null, "trim": "4Motion SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 36876.0, "msrp": 36876.0, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": null, "interior_color": null, "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": null, "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/7e5ed463cfbb4c5cacf851bfa3fde86b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/7e5ed463cfbb4c5cacf851bfa3fde86b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c166692852954f2b9918913ce43130a7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4848188206114efba44d4d6e70de1399.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/70dd5f4025ef498e95b21aaedf28f05a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e55ad5ac70594db198651d6a2aada12c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d5a983c52684eab944011898950fa15.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea134032892c47f6b89d3c2f05c256af.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36876.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm2tm115860/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm2tm115860/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RM2TM115860.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM2TM115860.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM2TM115860.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm2tm115860/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 VIN 3VVER7RM2TM115860. Advertised price: $36,876. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$36,876"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36876.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM2TM115860_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": 36876.0, "price_incl_doc": 36876.0, "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": 748.22, "amount_financed": 39180.75, "sales_tax": 2304.75, "total_of_payments": 44893.02, "finance_charge": 5712.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 3VVER7RM2TM115860. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,876, before any dealer documentation fee. Amount financed $39,181, including $2,305 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,893. 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_3VVER7RM2TM115860_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": 36876.0, "price_incl_doc": 36876.0, "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": 649.15, "amount_financed": 39180.75, "sales_tax": 2304.75, "total_of_payments": 46739.03, "finance_charge": 7558.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 3VVER7RM2TM115860. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,876, before any dealer documentation fee. Amount financed $39,181, including $2,305 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,739. 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_3VVER7RM2TM115860_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": 36876.0, "price_incl_doc": 36876.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.62, "amount_financed": 39180.75, "sales_tax": 2304.75, "total_of_payments": 48856.28, "finance_charge": 9675.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 3VVER7RM2TM115860. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,876, before any dealer documentation fee. Amount financed $39,181, including $2,305 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,856. 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_3VVER7RM2TM115860_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": 36876.0, "selling_price": 36876.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 695.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 530.4, "net_cap_cost": 37571.0, "residual_value": 22863.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 530.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 690.4}, "total_of_payments": 19080, "total_of_payments_unrounded": 19094.4}, "disclosure": "Estimated lease payment for this vehicle, VIN 3VVER7RM2TM115860. $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 $36,876. Lease selling price $36,876. Net capitalized cost $37,571. Residual value $22,863, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $695. 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_3VVER7RM2TM115860_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": 36876.0, "selling_price": 36876.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 695.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 437.11, "net_cap_cost": 34572.0, "residual_value": 22863.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 437.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3596.11}, "total_of_payments": 15732, "total_of_payments_unrounded": 15735.96}, "disclosure": "Estimated lease payment for this vehicle, VIN 3VVER7RM2TM115860. $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 $36,876. Lease selling price $36,876. Net capitalized cost $34,572. Residual value $22,863, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $695. 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": 24, "elapsed_ms": 155}}, {"vin": "3VW1M7BU6TM071946", "title": "2026 Volkswagen Jetta GLI Autobahn", "year": 2026, "make": "Volkswagen", "model": "Jetta GLI", "trim": "Autobahn", "decoded_trim": "Autobahn", "condition": "new", "price": 33257.0, "msrp": 35840.0, "sale_price": 33257.0, "currency": "USD", "mileage": 40, "exterior_color": "Blue", "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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 26, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "W4511X", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/84d1080a962746948c7adc537c344f02.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/84d1080a962746948c7adc537c344f02.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27e70bbd8ff2461f89bded436f38a0a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b1b74af3ab6c4d9194897ddd73388163.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/426ff68eec6446819be62e8fc7adaa82.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/60ca23cc00f14d2cb8ab1a745277ee27.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a0f5fc279bac4c17b6f138d064545930.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d73de901829444789aef8c86be91836d.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Jetta GLI", "year": 2026, "trim": "Autobahn", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35840.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu6tm071946/2026-volkswagen-jetta-gli-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu6tm071946/2026-volkswagen-jetta-gli-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW1M7BU6TM071946.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU6TM071946.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU6TM071946.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu6tm071946/2026-volkswagen-jetta-gli-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,583. This offer applies to Stock #W4511X, VIN 3VW1M7BU6TM071946. 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: $35,840. Advertised price: $33,257. Savings: $2,583, 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": "$35,840"}, {"label": "Advertised price", "value": "$33,257"}, {"label": "Savings", "value": "$2,583, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,583", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33257.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW1M7BU6TM071946_finance_60", "type": "finance_60", "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": 33257.0, "price_incl_doc": 33257.0, "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": 674.79, "amount_financed": 35335.56, "sales_tax": 2078.56, "total_of_payments": 40487.23, "finance_charge": 5151.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4511X, VIN 3VW1M7BU6TM071946. $675 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,257, before any dealer documentation fee. Amount financed $35,336, including $2,079 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,487. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW1M7BU6TM071946_finance_72", "type": "finance_72", "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": 33257.0, "price_incl_doc": 33257.0, "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": 585.45, "amount_financed": 35335.56, "sales_tax": 2078.56, "total_of_payments": 42152.08, "finance_charge": 6816.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4511X, VIN 3VW1M7BU6TM071946. $585 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,257, before any dealer documentation fee. Amount financed $35,336, including $2,079 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,152. 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_3VW1M7BU6TM071946_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": 33257.0, "price_incl_doc": 33257.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 524.54, "amount_financed": 35335.56, "sales_tax": 2078.56, "total_of_payments": 44061.54, "finance_charge": 8725.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4511X, VIN 3VW1M7BU6TM071946. $525 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,257, before any dealer documentation fee. Amount financed $35,336, including $2,079 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,062. 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_3VW1M7BU6TM071946_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 35840.0, "selling_price": 33257.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.14, "net_cap_cost": 33932.0, "residual_value": 22220.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.14, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 595.14}, "total_of_payments": 15660, "total_of_payments_unrounded": 15665.04}, "disclosure": "Estimated lease payment for stock #W4511X, VIN 3VW1M7BU6TM071946. $435 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $595, made up of $435 first payment, $60 title, $100 registration. MSRP $35,840. Lease selling price $33,257. Net capitalized cost $33,932. Residual value $22,221, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW1M7BU6TM071946_lease", "type": "lease", "label": "Lease", "headline": {"value": 342, "unit": "per_month", "display": "$342/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35840.0, "selling_price": 33257.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 341.84, "net_cap_cost": 30933.0, "residual_value": 22220.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 341.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3500.84}, "total_of_payments": 12312, "total_of_payments_unrounded": 12306.24}, "disclosure": "Estimated lease payment for stock #W4511X, VIN 3VW1M7BU6TM071946. $342 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,501, made up of $342 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,840. Lease selling price $33,257. Net capitalized cost $30,933. Residual value $22,221, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,312. 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"}], "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": 35, "elapsed_ms": 288}}, {"vin": "WA1GABFYXR2000765", "title": "2024 Audi Q5 S line Premium", "year": 2024, "make": "Audi", "model": "Q5", "trim": "S line Premium", "decoded_trim": "S Line quattro Premium", "condition": "used", "price": 37477.0, "msrp": 37477.0, "sale_price": 37477.0, "currency": "USD", "mileage": 7557, "exterior_color": "Daytona Gray Pearl Effect", "interior_color": "Okapi Brown", "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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 22, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1048", "stock_status": "Available", 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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 #PDV1048, VIN WA1GABFYXR2000765. Advertised price: $37,477. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$37,477"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37477.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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. 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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_WA1GABFYXR2000765_finance_60", "type": "finance_60", "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": 37477.0, "price_incl_doc": 37477.0, "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": 778.92, "amount_financed": 39819.31, "sales_tax": 2342.31, "total_of_payments": 46735.44, "finance_charge": 6916.13, "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. $779 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,477, before any dealer documentation fee. Amount financed $39,819, including $2,342 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,735. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "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": 37477.0, "price_incl_doc": 37477.0, "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": 678.69, "amount_financed": 39819.31, "sales_tax": 2342.31, "total_of_payments": 48865.57, "finance_charge": 9046.26, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1048, VIN WA1GABFYXR2000765. $679 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,477, before any dealer documentation fee. Amount financed $39,819, including $2,342 estimated sales tax at 6.25%. That is $17.04 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": 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": 192}}, {"vin": "1V2KN2CA3TC584552", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45202.0, "msrp": 50193.0, "sale_price": 45202.0, "currency": "USD", "mileage": 8, "exterior_color": "Pure Gray", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4643", "stock_status": "Available", 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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 $4,991. This offer applies to Stock #W4643, VIN 1V2KN2CA3TC584552. 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: $50,193. Advertised price: $45,202. Savings: $4,991, 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": "$50,193"}, {"label": "Advertised price", "value": "$45,202"}, {"label": "Savings", "value": "$4,991, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,991", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45202.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA3TC584552_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": 45202.0, "price_incl_doc": 45202.0, "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": 917.15, "amount_financed": 48027.13, "sales_tax": 2825.13, "total_of_payments": 55029.14, "finance_charge": 7002.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4643, VIN 1V2KN2CA3TC584552. $917 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,202, before any dealer documentation fee. Amount financed $48,027, including $2,825 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,029. 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_1V2KN2CA3TC584552_finance_72", "type": "finance_72", "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": 45202.0, "price_incl_doc": 45202.0, "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": 795.72, "amount_financed": 48027.13, "sales_tax": 2825.13, "total_of_payments": 57291.95, "finance_charge": 9264.82, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4643, VIN 1V2KN2CA3TC584552. $796 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,202, before any dealer documentation fee. Amount financed $48,027, including $2,825 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,292. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC584552_finance_84", "type": "finance_84", "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": 45202.0, "price_incl_doc": 45202.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 712.94, "amount_financed": 48027.13, "sales_tax": 2825.13, "total_of_payments": 59887.24, "finance_charge": 11860.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4643, VIN 1V2KN2CA3TC584552. $713 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,202, before any dealer documentation fee. Amount financed $48,027, including $2,825 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,887. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC584552_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 50193.0, "selling_price": 45202.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.26, "net_cap_cost": 45877.0, "residual_value": 31119.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.26, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 718.26}, "total_of_payments": 20088, "total_of_payments_unrounded": 20097.36}, "disclosure": "Estimated lease payment for stock #W4643, VIN 1V2KN2CA3TC584552. $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 $50,193. Lease selling price $45,202. Net capitalized cost $45,877. Residual value $31,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA3TC584552_lease", "type": "lease", "label": "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": 50193.0, "selling_price": 45202.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.97, "net_cap_cost": 42878.0, "residual_value": 31119.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.97, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3623.97}, "total_of_payments": 16740, "total_of_payments_unrounded": 16738.92}, "disclosure": "Estimated lease payment for stock #W4643, VIN 1V2KN2CA3TC584552. $465 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,624, made up of $465 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,193. Lease selling price $45,202. Net capitalized cost $42,878. Residual value $31,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 286}}, {"vin": "3VWLA7AJ6FM305709", "title": "2015 Volkswagen Jetta Sedan 2.0L TDI SEL", "year": 2015, "make": "Volkswagen", "model": "Jetta Sedan", "trim": "2.0L TDI SEL", "decoded_trim": "1.8T SEL, TDI", "condition": "used", "price": 7598.0, "msrp": 7598.0, "sale_price": 7885.0, "currency": "USD", "mileage": 163818, "exterior_color": "Platinum Gray Metallic", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Diesel Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Diesel I-4 2.0 L/120", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Auto-Shift Manual w/OD", "mpg_city": 31, "mpg_hwy": 45, "range_miles": null, "battery_kwh": null, "stock_number": "VD261983A", "stock_status": "Available", 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"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 #VD261983A, VIN 3VWLA7AJ6FM305709. Advertised price: $7,598. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$7,598"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "label": "Finance", "headline": {"value": 138, "unit": "per_month", "display": "$138/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 137.6, "amount_financed": 8072.88, "sales_tax": 474.88, "total_of_payments": 9906.9, "finance_charge": 1834.02, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261983A, VIN 3VWLA7AJ6FM305709. $138 per month for 72 months at 6.99% 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 $17.04 per $1,000 financed. Total of payments $9,907. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VWGW7BU9TM046043", "title": "2026 Volkswagen Jetta SEL", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SEL", "decoded_trim": "SEL", "condition": "new", "price": 30041.0, "msrp": 32651.0, "sale_price": 30041.0, "currency": "USD", "mileage": 8, "exterior_color": "Opal White Pearl", "interior_color": "Sevilla/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262138", "stock_status": "Available", "availability": "In Stock", 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"dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwgw7bu9tm046043/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWGW7BU9TM046043.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWGW7BU9TM046043.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWGW7BU9TM046043.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwgw7bu9tm046043/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,610. This offer applies to Stock #VD262138, VIN 3VWGW7BU9TM046043. 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: $32,651. Advertised price: $30,041. Savings: $2,610, 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": "$32,651"}, {"label": "Advertised price", "value": "$30,041"}, {"label": "Savings", "value": "$2,610, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,610", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30041.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWGW7BU9TM046043_finance_60", "type": "finance_60", "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": 30041.0, "price_incl_doc": 30041.0, "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": 609.53, "amount_financed": 31918.56, "sales_tax": 1877.56, "total_of_payments": 36572.06, "finance_charge": 4653.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262138, VIN 3VWGW7BU9TM046043. $610 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,041, before any dealer documentation fee. Amount financed $31,919, including $1,878 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,572. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWGW7BU9TM046043_finance_72", "type": "finance_72", "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": 30041.0, "price_incl_doc": 30041.0, "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": 528.83, "amount_financed": 31918.56, "sales_tax": 1877.56, "total_of_payments": 38075.91, "finance_charge": 6157.35, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262138, VIN 3VWGW7BU9TM046043. $529 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,041, before any dealer documentation fee. Amount financed $31,919, including $1,878 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,076. 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_3VWGW7BU9TM046043_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 474, "unit": "per_month", "display": "$474/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30041.0, "price_incl_doc": 30041.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 473.82, "amount_financed": 31918.56, "sales_tax": 1877.56, "total_of_payments": 39800.72, "finance_charge": 7882.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262138, VIN 3VWGW7BU9TM046043. $474 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,041, before any dealer documentation fee. Amount financed $31,919, including $1,878 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,801. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWGW7BU9TM046043_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 32651.0, "selling_price": 30041.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.3, "net_cap_cost": 30716.0, "residual_value": 20243.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 550.3}, "total_of_payments": 14040, "total_of_payments_unrounded": 14050.8}, "disclosure": "Estimated lease payment for stock #VD262138, VIN 3VWGW7BU9TM046043. $390 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $550, made up of $390 first payment, $60 title, $100 registration. MSRP $32,651. Lease selling price $30,041. Net capitalized cost $30,716. Residual value $20,244, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWGW7BU9TM046043_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": 32651.0, "selling_price": 30041.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 297.01, "net_cap_cost": 27717.0, "residual_value": 20243.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 297.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3456.01}, "total_of_payments": 10692, "total_of_payments_unrounded": 10692.36}, "disclosure": "Estimated lease payment for stock #VD262138, VIN 3VWGW7BU9TM046043. $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 $32,651. Lease selling price $30,041. Net capitalized cost $27,717. Residual value $20,244, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 297}}, {"vin": "WP1AA2AY1NDA05370", "title": "2022 Porsche Cayenne Platinum Edition", "year": 2022, "make": "Porsche", "model": "Cayenne", "trim": "Platinum Edition", "decoded_trim": "Base", "condition": "used", "price": 52962.0, "msrp": 52962.0, "sale_price": 49750.0, "currency": "USD", "mileage": 29975, "exterior_color": "Jet Black Metallic", "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 V-6 3.0 L/183", "engine_displacement_l": 3.0, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 17, "mpg_hwy": 22, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0400", "stock_status": "Available", "availability": 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wp1aa2ay1nda05370/2022-porsche-cayenne-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WP1AA2AY1NDA05370.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WP1AA2AY1NDA05370.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WP1AA2AY1NDA05370.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wp1aa2ay1nda05370/2022-porsche-cayenne-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0400, VIN WP1AA2AY1NDA05370. Advertised price: $52,962. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$52,962"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52962.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WP1AA2AY1NDA05370_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1321, "unit": "per_month", "display": "$1,321/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52962.0, "price_incl_doc": 52962.0, "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": 1321.29, "amount_financed": 56272.13, "sales_tax": 3310.13, "total_of_payments": 63422.14, "finance_charge": 7150.01, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0400, VIN WP1AA2AY1NDA05370. $1,321 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $52,962, before any dealer documentation fee. Amount financed $56,272, including $3,310 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $63,422. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WP1AA2AY1NDA05370_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1101, "unit": "per_month", "display": "$1,101/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52962.0, "price_incl_doc": 52962.0, "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": 1100.77, "amount_financed": 56272.13, "sales_tax": 3310.13, "total_of_payments": 66045.92, "finance_charge": 9773.79, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0400, VIN WP1AA2AY1NDA05370. $1,101 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $52,962, before any dealer documentation fee. Amount financed $56,272, including $3,310 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $66,046. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WP1AA2AY1NDA05370_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 959, "unit": "per_month", "display": "$959/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52962.0, "price_incl_doc": 52962.0, "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": 959.11, "amount_financed": 56272.13, "sales_tax": 3310.13, "total_of_payments": 69056.19, "finance_charge": 12784.06, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0400, VIN WP1AA2AY1NDA05370. $959 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $52,962, before any dealer documentation fee. Amount financed $56,272, including $3,310 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $69,056. 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"}], "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": 224}}, {"vin": "3VVBR7RMXTM148169", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 31124.0, "msrp": 34322.0, "sale_price": 31124.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "W4758", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/bdf0bdab3c844bcfbf8a67cb9c7aef71.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/bdf0bdab3c844bcfbf8a67cb9c7aef71.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/062b09689bc247628fc632fa00ae30c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/266364f75e394323ad719de42658e933.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11c82472e62f4017a8477eb7e1a93047.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ceeabff30ed04a5d9e5b7712612a0e8c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc211d9ec4b04bbf8b159065679d01c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a36efb1a1e2b47cfb7d6dc5b3692bba2.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34322.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rmxtm148169/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rmxtm148169/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVBR7RMXTM148169.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RMXTM148169.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RMXTM148169.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rmxtm148169/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,198. This offer applies to Stock #W4758, VIN 3VVBR7RMXTM148169. 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: $34,322. Advertised price: $31,124. Savings: $3,198, 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": "$34,322"}, {"label": "Advertised price", "value": "$31,124"}, {"label": "Savings", "value": "$3,198, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,198", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31124.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RMXTM148169_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": 31124.0, "price_incl_doc": 31124.0, "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": 631.51, "amount_financed": 33069.25, "sales_tax": 1945.25, "total_of_payments": 37890.51, "finance_charge": 4821.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4758, VIN 3VVBR7RMXTM148169. $632 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,124, before any dealer documentation fee. Amount financed $33,069, including $1,945 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,891. 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_3VVBR7RMXTM148169_finance_72", "type": "finance_72", "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": 31124.0, "price_incl_doc": 31124.0, "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": 547.9, "amount_financed": 33069.25, "sales_tax": 1945.25, "total_of_payments": 39448.58, "finance_charge": 6379.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4758, VIN 3VVBR7RMXTM148169. $548 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,124, before any dealer documentation fee. Amount financed $33,069, including $1,945 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,449. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RMXTM148169_finance_84", "type": "finance_84", "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": 31124.0, "price_incl_doc": 31124.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 490.9, "amount_financed": 33069.25, "sales_tax": 1945.25, "total_of_payments": 41235.57, "finance_charge": 8166.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4758, VIN 3VVBR7RMXTM148169. $491 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,124, before any dealer documentation fee. Amount financed $33,069, including $1,945 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,236. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RMXTM148169_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": 34322.0, "selling_price": 31124.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 395.06, "net_cap_cost": 31799.0, "residual_value": 21279.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 395.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 555.06}, "total_of_payments": 14220, "total_of_payments_unrounded": 14222.16}, "disclosure": "Estimated lease payment for stock #W4758, VIN 3VVBR7RMXTM148169. $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 $34,322. Lease selling price $31,124. Net capitalized cost $31,799. Residual value $21,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVBR7RMXTM148169_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": 34322.0, "selling_price": 31124.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 301.77, "net_cap_cost": 28800.0, "residual_value": 21279.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 301.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3460.77}, "total_of_payments": 10872, "total_of_payments_unrounded": 10863.72}, "disclosure": "Estimated lease payment for stock #W4758, VIN 3VVBR7RMXTM148169. $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 $34,322. Lease selling price $31,124. Net capitalized cost $28,800. Residual value $21,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 324}}, {"vin": "4S4BTANC4R3263799", "title": "2024 Subaru Outback Limited", "year": 2024, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 29674.0, "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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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33812.0, "price_incl_doc": 33812.0, "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": 843.54, "amount_financed": 35925.25, "sales_tax": 2113.25, "total_of_payments": 40489.96, "finance_charge": 4564.71, "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. $844 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,812, before any dealer documentation fee. Amount financed $35,925, including $2,113 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,490. 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_1V2KC2CA6TC234810_finance_72", "type": "finance_72", "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": 48066.0, "price_incl_doc": 48066.0, "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": 846.14, "amount_financed": 51070.13, "sales_tax": 3004.13, "total_of_payments": 60921.97, "finance_charge": 9851.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4740, VIN 1V2KC2CA6TC234810. $846 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,066, before any dealer documentation fee. Amount financed $51,070, including $3,004 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,922. 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_1V2KC2CA6TC234810_finance_84", "type": "finance_84", "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": 48066.0, "price_incl_doc": 48066.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.12, "amount_financed": 51070.13, "sales_tax": 3004.13, "total_of_payments": 63681.7, "finance_charge": 12611.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4740, VIN 1V2KC2CA6TC234810. $758 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,066, before any dealer documentation fee. Amount financed $51,070, including $3,004 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,682. 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_1V2KC2CA6TC234810_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48066.0, "selling_price": 48066.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 684.17, "net_cap_cost": 48741.0, "residual_value": 29800.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 684.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 844.17}, "total_of_payments": 24624, "total_of_payments_unrounded": 24630.12}, "disclosure": "Estimated lease payment for stock #W4740, VIN 1V2KC2CA6TC234810. $684 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $844, made up of $684 first payment, $60 title, $100 registration. MSRP $48,066. Lease selling price $48,066. Net capitalized cost $48,741. Residual value $29,801, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $24,624. 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"}, {"offer_id": "of_1V2KC2CA6TC234810_lease", "type": "lease", "label": "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": 48066.0, "selling_price": 48066.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 590.88, "net_cap_cost": 45742.0, "residual_value": 29800.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 590.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3749.88}, "total_of_payments": 21276, "total_of_payments_unrounded": 21271.68}, "disclosure": "Estimated lease payment for stock #W4740, VIN 1V2KC2CA6TC234810. $591 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,750, made up of $591 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,066. Lease selling price $48,066. Net capitalized cost $45,742. Residual value $29,801, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 371}}, {"vin": "1G1FD3DS4R0108364", "title": "2024 Chevrolet Camaro 2LT", "year": 2024, "make": "Chevrolet", "model": "Camaro", "trim": "2LT", "decoded_trim": "2LT/3LT", "condition": "used", "price": 35594.0, "msrp": 35594.0, "sale_price": 36433.0, "currency": "USD", "mileage": 25671, "exterior_color": "Summit White", "interior_color": "Jet Black", "drivetrain": "RWD", "body_style": "Convertible", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 2, "seating_capacity": null, 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"https://www.castlevwdownersgrove.com/viewdetails/used/1g1fd3ds4r0108364/2024-chevrolet-camaro-convertible", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1g1fd3ds4r0108364/2024-chevrolet-camaro-convertible", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1G1FD3DS4R0108364.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1G1FD3DS4R0108364.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1G1FD3DS4R0108364.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1g1fd3ds4r0108364/2024-chevrolet-camaro-convertible", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0513A, VIN 1G1FD3DS4R0108364. Advertised price: $35,594. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$35,594"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35594.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 888, "unit": "per_month", "display": "$888/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35594.0, "price_incl_doc": 35594.0, "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": 888.0, "amount_financed": 37818.63, "sales_tax": 2224.63, "total_of_payments": 42623.92, "finance_charge": 4805.29, "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. $888 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,594, before any dealer documentation fee. Amount financed $37,819, including $2,225 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,624. 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_1G1FD3DS4R0108364_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": 35594.0, "price_incl_doc": 35594.0, "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": 739.79, "amount_financed": 37818.63, "sales_tax": 2224.63, "total_of_payments": 44387.27, "finance_charge": 6568.64, "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. $740 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,594, before any dealer documentation fee. Amount financed $37,819, including $2,225 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,387. 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": 16, "validator_version": "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_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": 35594.0, "price_incl_doc": 35594.0, "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": 644.59, "amount_financed": 37818.63, "sales_tax": 2224.63, "total_of_payments": 46410.37, "finance_charge": 8591.74, "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. $645 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,594, before any dealer documentation fee. Amount financed $37,819, including $2,225 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,410. 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"}], "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": 258}}, {"vin": "1V2KN2CA6TC592614", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 50592.0, "msrp": 50592.0, "sale_price": 45556.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4719", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/0a91d3ac60bf444c8596d267aae17c60.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/0a91d3ac60bf444c8596d267aae17c60.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ffcd12f139e408580f4e5db8762b902.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c55ae8e344449228b6cfb3b346e7c33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a2d71b3f312c4ff39cf5c9699618a3e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9bc074630c474d529188766b61326414.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a25cfb60c32f420e820b1288df429a56.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a0db924a0574533b99db03a2747fa56.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50592.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca6tc592614/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca6tc592614/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA6TC592614.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA6TC592614.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA6TC592614.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca6tc592614/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4719, VIN 1V2KN2CA6TC592614. Advertised price: $50,592. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$50,592"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50592.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA6TC592614_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1027, "unit": "per_month", "display": "$1,027/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50592.0, "price_incl_doc": 50592.0, "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": 1026.52, "amount_financed": 53754.0, "sales_tax": 3162.0, "total_of_payments": 61590.95, "finance_charge": 7836.95, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4719, VIN 1V2KN2CA6TC592614. $1,027 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,592, before any dealer documentation fee. Amount financed $53,754, including $3,162 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,591. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC592614_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50592.0, "price_incl_doc": 50592.0, "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": 890.61, "amount_financed": 53754.0, "sales_tax": 3162.0, "total_of_payments": 64123.58, "finance_charge": 10369.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4719, VIN 1V2KN2CA6TC592614. $891 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,592, before any dealer documentation fee. Amount financed $53,754, including $3,162 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,124. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC592614_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 798, "unit": "per_month", "display": "$798/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50592.0, "price_incl_doc": 50592.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 797.96, "amount_financed": 53754.0, "sales_tax": 3162.0, "total_of_payments": 67028.34, "finance_charge": 13274.34, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4719, VIN 1V2KN2CA6TC592614. $798 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,592, before any dealer documentation fee. Amount financed $53,754, including $3,162 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,028. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC592614_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50592.0, "selling_price": 50592.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 719.02, "net_cap_cost": 51267.0, "residual_value": 31367.04, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 719.02, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 879.02}, "total_of_payments": 25884, "total_of_payments_unrounded": 25884.72}, "disclosure": "Estimated lease payment for stock #W4719, VIN 1V2KN2CA6TC592614. $719 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $879, made up of $719 first payment, $60 title, $100 registration. MSRP $50,592. Lease selling price $50,592. Net capitalized cost $51,267. Residual value $31,367, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,884. 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_1V2KN2CA6TC592614_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50592.0, "selling_price": 50592.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 625.73, "net_cap_cost": 48268.0, "residual_value": 31367.04, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 625.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3784.73}, "total_of_payments": 22536, "total_of_payments_unrounded": 22526.28}, "disclosure": "Estimated lease payment for stock #W4719, VIN 1V2KN2CA6TC592614. $626 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,785, made up of $626 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,592. Lease selling price $50,592. Net capitalized cost $48,268. Residual value $31,367, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,536. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 368}}, {"vin": "WVWSE7CD0TW224467", "title": "2026 Volkswagen Golf GTI SE", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 39063.0, "msrp": 41553.0, "sale_price": 39063.0, "currency": "USD", "mileage": 7, "exterior_color": "Opal White Pearl", "interior_color": "Soul Black w/Tornado Red Trim", "drivetrain": "FWD", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd0tw224467/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWSE7CD0TW224467.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWSE7CD0TW224467.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWSE7CD0TW224467.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd0tw224467/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 $2,490. This offer applies to Stock #W4470, VIN WVWSE7CD0TW224467. 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: $41,553. Advertised price: $39,063. Savings: $2,490, 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": "$41,553"}, {"label": "Advertised price", "value": "$39,063"}, {"label": "Savings", "value": "$2,490, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,490", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39063.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWSE7CD0TW224467_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39063.0, "price_incl_doc": 39063.0, "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": 792.59, "amount_financed": 41504.44, "sales_tax": 2441.44, "total_of_payments": 47555.49, "finance_charge": 6051.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4470, VIN WVWSE7CD0TW224467. $793 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,063, before any dealer documentation fee. Amount financed $41,504, including $2,441 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,555. 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_WVWSE7CD0TW224467_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": 39063.0, "price_incl_doc": 39063.0, "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": 687.65, "amount_financed": 41504.44, "sales_tax": 2441.44, "total_of_payments": 49510.98, "finance_charge": 8006.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4470, VIN WVWSE7CD0TW224467. $688 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,063, before any dealer documentation fee. Amount financed $41,504, including $2,441 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,511. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWSE7CD0TW224467_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": 39063.0, "price_incl_doc": 39063.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 616.12, "amount_financed": 41504.44, "sales_tax": 2441.44, "total_of_payments": 51753.8, "finance_charge": 10249.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4470, VIN WVWSE7CD0TW224467. $616 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,063, before any dealer documentation fee. Amount financed $41,504, including $2,441 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,754. 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_WVWSE7CD0TW224467_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": 41553.0, "selling_price": 39063.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 516.85, "net_cap_cost": 39738.0, "residual_value": 25762.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 516.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 676.85}, "total_of_payments": 18612, "total_of_payments_unrounded": 18606.6}, "disclosure": "Estimated lease payment for stock #W4470, VIN WVWSE7CD0TW224467. $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 $41,553. Lease selling price $39,063. Net capitalized cost $39,738. Residual value $25,763, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWSE7CD0TW224467_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": 41553.0, "selling_price": 39063.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 423.56, "net_cap_cost": 36739.0, "residual_value": 25762.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 423.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3582.56}, "total_of_payments": 15264, "total_of_payments_unrounded": 15248.16}, "disclosure": "Estimated lease payment for stock #W4470, VIN WVWSE7CD0TW224467. $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 $41,553. Lease selling price $39,063. Net capitalized cost $36,739. Residual value $25,763, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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 #W4677, VIN 1V2BN2CA0TC578112. Advertised price: $52,643. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$52,643"}], "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52643.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA0TC578112_finance_60", "type": "finance_60", "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": 52643.0, "price_incl_doc": 52643.0, "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": 1068.13, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 64087.85, "finance_charge": 8154.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4677, VIN 1V2BN2CA0TC578112. $1,068 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,088. 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_1V2BN2CA0TC578112_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 927, "unit": "per_month", "display": "$927/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52643.0, "price_incl_doc": 52643.0, "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": 926.71, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 66723.15, "finance_charge": 10789.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4677, VIN 1V2BN2CA0TC578112. $927 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,723. 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_1V2BN2CA0TC578112_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": 52643.0, "price_incl_doc": 52643.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 830.31, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 69745.67, "finance_charge": 13812.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4677, VIN 1V2BN2CA0TC578112. $830 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA0TC578112_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": 52643.0, "selling_price": 52643.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 747.32, "net_cap_cost": 53318.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 747.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 907.32}, "total_of_payments": 26892, "total_of_payments_unrounded": 26903.52}, "disclosure": "Estimated lease payment for stock #W4677, VIN 1V2BN2CA0TC578112. $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 $52,643. Lease selling price $52,643. Net capitalized cost $53,318. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA0TC578112_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52643.0, "selling_price": 52643.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 654.03, "net_cap_cost": 50319.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 654.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3813.03}, "total_of_payments": 23544, "total_of_payments_unrounded": 23545.08}, "disclosure": "Estimated lease payment for stock #W4677, VIN 1V2BN2CA0TC578112. $654 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,813, made up of $654 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,643. 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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_WBX13EF06S5167858_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_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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[], "price_history": [], "window_sticker": {"msrp": 37823.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm9tm088527/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm9tm088527/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RM9TM088527.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,419. This offer applies to Stock #W4486, VIN 3VVER7RM9TM088527. 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: $37,823. Advertised price: $34,404. Savings: $3,419, 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": "$37,823"}, {"label": "Advertised price", "value": "$34,404"}, {"label": "Savings", "value": "$3,419, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,419", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34404.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM9TM088527_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": 34404.0, "price_incl_doc": 34404.0, "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": 698.06, "amount_financed": 36554.25, "sales_tax": 2150.25, "total_of_payments": 41883.6, "finance_charge": 5329.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4486, VIN 3VVER7RM9TM088527. $698 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,404, before any dealer documentation fee. Amount financed $36,554, including $2,150 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,884. 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"}, {"offer_id": "of_3VVER7RM9TM088527_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34404.0, "price_incl_doc": 34404.0, "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": 605.64, "amount_financed": 36554.25, "sales_tax": 2150.25, "total_of_payments": 43605.86, "finance_charge": 7051.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4486, VIN 3VVER7RM9TM088527. $606 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,404, before any dealer documentation fee. Amount financed $36,554, including $2,150 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,606. 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_3VVER7RM9TM088527_finance_84", "type": "finance_84", "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": 34404.0, "price_incl_doc": 34404.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 542.63, "amount_financed": 36554.25, "sales_tax": 2150.25, "total_of_payments": 45581.18, "finance_charge": 9026.93, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4486, VIN 3VVER7RM9TM088527. $543 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,404, before any dealer documentation fee. Amount financed $36,554, including $2,150 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,581. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM9TM088527_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 37823.0, "selling_price": 34404.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.49, "net_cap_cost": 35079.0, "residual_value": 23450.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 596.49}, "total_of_payments": 15696, "total_of_payments_unrounded": 15713.64}, "disclosure": "Estimated lease payment for stock #W4486, VIN 3VVER7RM9TM088527. $436 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $596, made up of $436 first payment, $60 title, $100 registration. MSRP $37,823. Lease selling price $34,404. Net capitalized cost $35,079. Residual value $23,450, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVER7RM9TM088527_lease", "type": "lease", "label": "Lease", "headline": {"value": 343, "unit": "per_month", "display": "$343/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37823.0, "selling_price": 34404.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 343.2, "net_cap_cost": 32080.0, "residual_value": 23450.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 343.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3502.2}, "total_of_payments": 12348, "total_of_payments_unrounded": 12355.2}, "disclosure": "Estimated lease payment for stock #W4486, VIN 3VVER7RM9TM088527. $343 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,502, made up of $343 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,823. Lease selling price $34,404. Net capitalized cost $32,080. Residual value $23,450, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,348. 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"}], "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": "3VVGR7RM6TM037771", "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": "new", "price": 37927.0, "msrp": 41463.0, "sale_price": 37927.0, "currency": "USD", "mileage": 6, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "W4230", "stock_status": 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"https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM6TM037771.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM037771.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM037771.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm037771/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,536. This offer applies to Stock #W4230, VIN 3VVGR7RM6TM037771. 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: $41,463. Advertised price: $37,927. Savings: $3,536, 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": "$41,463"}, {"label": "Advertised price", "value": "$37,927"}, {"label": "Savings", "value": "$3,536, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,536", "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": "2026-07-26T16:50:22Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM6TM037771_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37927.0, "price_incl_doc": 37927.0, "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": 769.54, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 46172.52, "finance_charge": 5875.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4230, VIN 3VVGR7RM6TM037771. $770 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,173. 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_3VVGR7RM6TM037771_finance_72", "type": "finance_72", "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": 37927.0, "price_incl_doc": 37927.0, "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": 667.65, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 48071.14, "finance_charge": 7773.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4230, VIN 3VVGR7RM6TM037771. $668 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM6TM037771_finance_84", "type": "finance_84", "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": 37927.0, "price_incl_doc": 37927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.2, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 50248.73, "finance_charge": 9951.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4230, VIN 3VVGR7RM6TM037771. $598 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,249. 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_3VVGR7RM6TM037771_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.07, "net_cap_cost": 38602.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.07}, "total_of_payments": 17388, "total_of_payments_unrounded": 17390.52}, "disclosure": "Estimated lease payment for stock #W4230, VIN 3VVGR7RM6TM037771. $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 $41,463. Lease selling price $37,927. Net capitalized cost $38,602. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM6TM037771_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 389.78, "net_cap_cost": 35603.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.78}, "total_of_payments": 14040, "total_of_payments_unrounded": 14032.08}, "disclosure": "Estimated lease payment for stock #W4230, VIN 3VVGR7RM6TM037771. $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 $41,463. Lease selling price $37,927. Net capitalized cost $35,603. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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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 #VD262282, VIN 1V2HN2CA5TC583445. Advertised price: $48,731. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$48,731"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48731.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA5TC583445_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 989, "unit": "per_month", "display": "$989/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48731.0, "price_incl_doc": 48731.0, "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": 988.76, "amount_financed": 51776.69, "sales_tax": 3045.69, "total_of_payments": 59325.36, "finance_charge": 7548.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262282, VIN 1V2HN2CA5TC583445. $989 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,731, before any dealer documentation fee. Amount financed $51,777, including $3,046 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,325. 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_1V2HN2CA5TC583445_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 858, "unit": "per_month", "display": "$858/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48731.0, "price_incl_doc": 48731.0, "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": 857.84, "amount_financed": 51776.69, "sales_tax": 3045.69, "total_of_payments": 61764.83, "finance_charge": 9988.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262282, VIN 1V2HN2CA5TC583445. $858 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,731, before any dealer documentation fee. Amount financed $51,777, including $3,046 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,765. 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_1V2HN2CA5TC583445_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": 48731.0, "price_incl_doc": 48731.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 768.6, "amount_financed": 51776.69, "sales_tax": 3045.69, "total_of_payments": 64562.74, "finance_charge": 12786.05, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262282, VIN 1V2HN2CA5TC583445. $769 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,731, before any dealer documentation fee. Amount financed $51,777, including $3,046 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,563. 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_1V2HN2CA5TC583445_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": 48731.0, "selling_price": 48731.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 693.35, "net_cap_cost": 49406.0, "residual_value": 30213.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 693.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 853.35}, "total_of_payments": 24948, "total_of_payments_unrounded": 24960.6}, "disclosure": "Estimated lease payment for stock #VD262282, VIN 1V2HN2CA5TC583445. $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 $48,731. Lease selling price $48,731. Net capitalized cost $49,406. Residual value $30,213, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA5TC583445_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": 48731.0, "selling_price": 48731.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 600.05, "net_cap_cost": 46407.0, "residual_value": 30213.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 600.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3759.05}, "total_of_payments": 21600, "total_of_payments_unrounded": 21601.8}, "disclosure": "Estimated lease payment for stock #VD262282, VIN 1V2HN2CA5TC583445. $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 $48,731. Lease selling price $48,731. Net capitalized cost $46,407. Residual value $30,213, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34962.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b20tm053224/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b20tm053224/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B20TM053224.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B20TM053224.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B20TM053224.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b20tm053224/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,491. This offer applies to Stock #W4414, VIN 3VVVC7B20TM053224. 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: $34,962. Advertised price: $32,471. Savings: $2,491, 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": "$34,962"}, {"label": "Advertised price", "value": "$32,471"}, {"label": "Savings", "value": "$2,491, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,491", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32471.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B20TM053224_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": 32471.0, "price_incl_doc": 32471.0, "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": 658.84, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 39530.36, "finance_charge": 5029.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4414, VIN 3VVVC7B20TM053224. $659 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,530. 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"}, {"offer_id": "of_3VVVC7B20TM053224_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": 32471.0, "price_incl_doc": 32471.0, "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": 571.61, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 41155.85, "finance_charge": 6655.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4414, VIN 3VVVC7B20TM053224. $572 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,156. 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_3VVVC7B20TM053224_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32471.0, "price_incl_doc": 32471.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 512.15, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 43020.19, "finance_charge": 8519.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4414, VIN 3VVVC7B20TM053224. $512 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,020. 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_3VVVC7B20TM053224_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 425.88, "net_cap_cost": 33146.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 425.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 585.88}, "total_of_payments": 15336, "total_of_payments_unrounded": 15331.68}, "disclosure": "Estimated lease payment for stock #W4414, VIN 3VVVC7B20TM053224. $426 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $586, made up of $426 first payment, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $33,146. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B20TM053224_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 332.59, "net_cap_cost": 30147.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 332.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3491.59}, "total_of_payments": 11988, "total_of_payments_unrounded": 11973.24}, "disclosure": "Estimated lease payment for stock #W4414, VIN 3VVVC7B20TM053224. $333 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,492, made up of $333 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $30,147. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $5,134. This offer applies to Stock #W4505, VIN 1V2KN2CA2TC568634. 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: $50,688. Advertised price: $45,554. Savings: $5,134, 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": "$50,688"}, {"label": "Advertised price", "value": "$45,554"}, {"label": "Savings", "value": "$5,134, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,134", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45554.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA2TC568634_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": 45554.0, "price_incl_doc": 45554.0, "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": 924.29, "amount_financed": 48401.13, "sales_tax": 2847.13, "total_of_payments": 55457.67, "finance_charge": 7056.54, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4505, VIN 1V2KN2CA2TC568634. $924 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,554, before any dealer documentation fee. Amount financed $48,401, including $2,847 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,458. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA2TC568634_finance_72", "type": "finance_72", "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": 45554.0, "price_incl_doc": 45554.0, "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": 801.92, "amount_financed": 48401.13, "sales_tax": 2847.13, "total_of_payments": 57738.1, "finance_charge": 9336.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4505, VIN 1V2KN2CA2TC568634. $802 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,554, before any dealer documentation fee. Amount financed $48,401, including $2,847 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,738. 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_1V2KN2CA2TC568634_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": 45554.0, "price_incl_doc": 45554.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.5, "amount_financed": 48401.13, "sales_tax": 2847.13, "total_of_payments": 60353.6, "finance_charge": 11952.47, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4505, VIN 1V2KN2CA2TC568634. $718 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,554, before any dealer documentation fee. Amount financed $48,401, including $2,847 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,354. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA2TC568634_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": 50688.0, "selling_price": 45554.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 560.64, "net_cap_cost": 46229.0, "residual_value": 31426.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 560.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 720.64}, "total_of_payments": 20196, "total_of_payments_unrounded": 20183.04}, "disclosure": "Estimated lease payment for stock #W4505, VIN 1V2KN2CA2TC568634. $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 $50,688. Lease selling price $45,554. Net capitalized cost $46,229. Residual value $31,427, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA2TC568634_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": 50688.0, "selling_price": 45554.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 467.35, "net_cap_cost": 43230.0, "residual_value": 31426.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 467.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3626.35}, "total_of_payments": 16812, "total_of_payments_unrounded": 16824.6}, "disclosure": "Estimated lease payment for stock #W4505, VIN 1V2KN2CA2TC568634. $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 $50,688. Lease selling price $45,554. Net capitalized cost $43,230. Residual value $31,427, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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"offers": [], "price_history": [], "window_sticker": {"msrp": 35395.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b28tm071229/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b28tm071229/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV2C7B28TM071229.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": "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 #W4546, VIN 3VV2C7B28TM071229. 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: $35,395. Advertised price: $33,131. 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": "$35,395"}, {"label": "Advertised price", "value": "$33,131"}, {"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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33131.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B28TM071229_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": 33131.0, "price_incl_doc": 33131.0, "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": 672.23, "amount_financed": 35201.69, "sales_tax": 2070.69, "total_of_payments": 40333.84, "finance_charge": 5132.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4546, VIN 3VV2C7B28TM071229. $672 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,131, before any dealer documentation fee. Amount financed $35,202, including $2,071 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,334. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B28TM071229_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": 33131.0, "price_incl_doc": 33131.0, "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": 583.23, "amount_financed": 35201.69, "sales_tax": 2070.69, "total_of_payments": 41992.38, "finance_charge": 6790.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4546, VIN 3VV2C7B28TM071229. $583 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,131, before any dealer documentation fee. Amount financed $35,202, including $2,071 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,992. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B28TM071229_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": 33131.0, "price_incl_doc": 33131.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 522.55, "amount_financed": 35201.69, "sales_tax": 2070.69, "total_of_payments": 43894.61, "finance_charge": 8692.92, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4546, VIN 3VV2C7B28TM071229. $523 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,131, before any dealer documentation fee. Amount financed $35,202, including $2,071 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,895. 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_3VV2C7B28TM071229_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": 35395.0, "selling_price": 33131.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 438.92, "net_cap_cost": 33806.0, "residual_value": 21944.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 438.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 598.92}, "total_of_payments": 15804, "total_of_payments_unrounded": 15801.12}, "disclosure": "Estimated lease payment for stock #W4546, VIN 3VV2C7B28TM071229. $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 $35,395. Lease selling price $33,131. Net capitalized cost $33,806. Residual value $21,945, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV2C7B28TM071229_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": 35395.0, "selling_price": 33131.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 345.63, "net_cap_cost": 30807.0, "residual_value": 21944.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 345.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3504.63}, "total_of_payments": 12456, "total_of_payments_unrounded": 12442.68}, "disclosure": "Estimated lease payment for stock #W4546, VIN 3VV2C7B28TM071229. $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 $35,395. Lease selling price $33,131. Net capitalized cost $30,807. Residual value $21,945, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm077357/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm077357/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM5TM077357.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,535. This offer applies to Stock #W4418, VIN 3VVMR7RM5TM077357. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM077357_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4418, VIN 3VVMR7RM5TM077357. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM077357_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4418, VIN 3VVMR7RM5TM077357. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM5TM077357_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4418, VIN 3VVMR7RM5TM077357. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM5TM077357_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4418, VIN 3VVMR7RM5TM077357. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM077357_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4418, VIN 3VVMR7RM5TM077357. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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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"dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm057822/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU8TM057822.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM057822.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM057822.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm057822/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #NRVD262080, VIN 3VWBW7BU8TM057822. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU8TM057822_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262080, VIN 3VWBW7BU8TM057822. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU8TM057822_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262080, VIN 3VWBW7BU8TM057822. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU8TM057822_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262080, VIN 3VWBW7BU8TM057822. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU8TM057822_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #NRVD262080, VIN 3VWBW7BU8TM057822. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU8TM057822_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #NRVD262080, VIN 3VWBW7BU8TM057822. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": 448}}, {"vin": "3VVMR7RM4TM140609", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 39241.0, "msrp": 39241.0, "sale_price": 35678.0, "currency": "USD", "mileage": 5, "exterior_color": "Monterey Blue Pearl", "interior_color": "Grigio & 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": "W4732", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/b5125dfd17384bc2aac825a803387b3e.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/b5125dfd17384bc2aac825a803387b3e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/cf1e633bb60e43eb8622331a68862459.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/dfd396d357854612bb653fd85d5e05fb.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/13890b59f882405a9e5d567fd7a3d25d.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/f6eff93fdcad4fdb9891dc0448b13b77.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/37c1daa660894b27918a27004cb7f011.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/e21bacec979a4bc4a84416ba428eb828.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39241.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm140609/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm140609/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM4TM140609.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM140609.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM140609.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm140609/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4732, VIN 3VVMR7RM4TM140609. Advertised price: $39,241. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$39,241"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39241.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM4TM140609_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": 39241.0, "price_incl_doc": 39241.0, "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": 796.2, "amount_financed": 41693.56, "sales_tax": 2452.56, "total_of_payments": 47772.18, "finance_charge": 6078.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4732, VIN 3VVMR7RM4TM140609. $796 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,241, before any dealer documentation fee. Amount financed $41,694, including $2,453 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,772. 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_3VVMR7RM4TM140609_finance_72", "type": "finance_72", "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": 39241.0, "price_incl_doc": 39241.0, "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": 690.79, "amount_financed": 41693.56, "sales_tax": 2452.56, "total_of_payments": 49736.58, "finance_charge": 8043.02, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4732, VIN 3VVMR7RM4TM140609. $691 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,241, before any dealer documentation fee. Amount financed $41,694, including $2,453 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,737. 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_3VVMR7RM4TM140609_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": 39241.0, "price_incl_doc": 39241.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.92, "amount_financed": 41693.56, "sales_tax": 2452.56, "total_of_payments": 51989.62, "finance_charge": 10296.06, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4732, VIN 3VVMR7RM4TM140609. $619 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,241, before any dealer documentation fee. Amount financed $41,694, including $2,453 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,990. 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_3VVMR7RM4TM140609_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": 39241.0, "selling_price": 39241.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 562.41, "net_cap_cost": 39916.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 562.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 722.41}, "total_of_payments": 20232, "total_of_payments_unrounded": 20246.76}, "disclosure": "Estimated lease payment for stock #W4732, VIN 3VVMR7RM4TM140609. $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 $39,241. Lease selling price $39,241. Net capitalized cost $39,916. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVMR7RM4TM140609_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": 39241.0, "selling_price": 39241.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.12, "net_cap_cost": 36917.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3628.12}, "total_of_payments": 16884, "total_of_payments_unrounded": 16888.32}, "disclosure": "Estimated lease payment for stock #W4732, VIN 3VVMR7RM4TM140609. $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 $39,241. Lease selling price $39,241. Net capitalized cost $36,917. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 446}}, {"vin": "3VVVC7B27TM090223", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34345.0, "msrp": 34345.0, "sale_price": 31985.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4728", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/29fc292c1dea4ea0964415fc647a825b.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/29fc292c1dea4ea0964415fc647a825b.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2babf7f06f3f4e8b9e36d5b85ce1979f.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/e50887b4e2784c1dad74eece084338d4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/e2c1139f7e3c4017ba04728de6c950a1.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/09047300b4b84f9483f57627c38a7f7f.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/42788de8f37c481cb9472af1fdc733e2.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/ea542510c1814ac18cb782c60134b166.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34345.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b27tm090223/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b27tm090223/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B27TM090223.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B27TM090223.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B27TM090223.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b27tm090223/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4728, VIN 3VVVC7B27TM090223. Advertised price: $34,345. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,345"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34345.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B27TM090223_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": 34345.0, "price_incl_doc": 34345.0, "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": 696.86, "amount_financed": 36491.56, "sales_tax": 2146.56, "total_of_payments": 41811.77, "finance_charge": 5320.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4728, VIN 3VVVC7B27TM090223. $697 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,345, before any dealer documentation fee. Amount financed $36,492, including $2,147 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,812. 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_3VVVC7B27TM090223_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": 34345.0, "price_incl_doc": 34345.0, "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": 604.6, "amount_financed": 36491.56, "sales_tax": 2146.56, "total_of_payments": 43531.08, "finance_charge": 7039.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4728, VIN 3VVVC7B27TM090223. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,345, before any dealer documentation fee. Amount financed $36,492, including $2,147 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,531. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B27TM090223_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": 34345.0, "price_incl_doc": 34345.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.7, "amount_financed": 36491.56, "sales_tax": 2146.56, "total_of_payments": 45503.01, "finance_charge": 9011.45, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4728, VIN 3VVVC7B27TM090223. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,345, before any dealer documentation fee. Amount financed $36,492, including $2,147 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,503. 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_3VVVC7B27TM090223_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": 34345.0, "selling_price": 34345.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.86, "net_cap_cost": 35020.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 654.86}, "total_of_payments": 17820, "total_of_payments_unrounded": 17814.96}, "disclosure": "Estimated lease payment for stock #W4728, VIN 3VVVC7B27TM090223. $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 $34,345. Lease selling price $34,345. Net capitalized cost $35,020. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVVC7B27TM090223_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": 34345.0, "selling_price": 34345.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.57, "net_cap_cost": 32021.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3560.57}, "total_of_payments": 14472, "total_of_payments_unrounded": 14456.52}, "disclosure": "Estimated lease payment for stock #W4728, VIN 3VVVC7B27TM090223. $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 $34,345. Lease selling price $34,345. Net capitalized cost $32,021. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 32, "elapsed_ms": 430}}, {"vin": "3VVMR7RM6TM104615", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35192.0, "msrp": 38727.0, "sale_price": 35192.0, "currency": "USD", "mileage": 11, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Grigio & Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline 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 $3,535. This offer applies to Stock #W4529, VIN 3VVMR7RM6TM104615. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM104615_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4529, VIN 3VVMR7RM6TM104615. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM104615_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4529, VIN 3VVMR7RM6TM104615. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM6TM104615_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4529, VIN 3VVMR7RM6TM104615. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM6TM104615_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4529, VIN 3VVMR7RM6TM104615. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM104615_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4529, VIN 3VVMR7RM6TM104615. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 522}}, {"vin": "3VVMR7RM1TM095869", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 8, "exterior_color": "Platinum Gray Metallic", "interior_color": "Gray", "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": "NRVD262169", "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 $3,843. This offer applies to Stock #NRVD262169, VIN 3VVMR7RM1TM095869. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM1TM095869_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262169, VIN 3VVMR7RM1TM095869. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM095869_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262169, VIN 3VVMR7RM1TM095869. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM1TM095869_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262169, VIN 3VVMR7RM1TM095869. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM095869_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262169, VIN 3VVMR7RM1TM095869. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM1TM095869_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262169, VIN 3VVMR7RM1TM095869. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 579}}, {"vin": "1V2KN2CA3TC577312", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44522.0, "msrp": 49931.0, "sale_price": 44522.0, "currency": "USD", "mileage": 5, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262290", "stock_status": "Available", 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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 $5,409. This offer applies to Stock #NRVD262290, VIN 1V2KN2CA3TC577312. 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: $49,931. Advertised price: $44,522. Savings: $5,409, 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": "$49,931"}, {"label": "Advertised price", "value": "$44,522"}, {"label": "Savings", "value": "$5,409, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,409", "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44522.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA3TC577312_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44522.0, "price_incl_doc": 44522.0, "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": 903.36, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 54201.3, "finance_charge": 6896.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262290, VIN 1V2KN2CA3TC577312. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC577312_finance_72", "type": "finance_72", "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": 44522.0, "price_incl_doc": 44522.0, "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": 783.75, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 56430.08, "finance_charge": 9125.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262290, VIN 1V2KN2CA3TC577312. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,430. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC577312_finance_84", "type": "finance_84", "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": 44522.0, "price_incl_doc": 44522.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.22, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 58986.32, "finance_charge": 11681.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262290, VIN 1V2KN2CA3TC577312. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,986. 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_1V2KN2CA3TC577312_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.64, "net_cap_cost": 45197.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.64}, "total_of_payments": 19512, "total_of_payments_unrounded": 19499.04}, "disclosure": "Estimated lease payment for stock #NRVD262290, VIN 1V2KN2CA3TC577312. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $45,197. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC577312_lease", "type": "lease", "label": "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": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.35, "net_cap_cost": 42198.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.35}, "total_of_payments": 16128, "total_of_payments_unrounded": 16140.6}, "disclosure": "Estimated lease payment for stock #NRVD262290, VIN 1V2KN2CA3TC577312. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $42,198. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 589}}, {"vin": "1V2CN2CA0TC580365", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 44767.0, "msrp": 50332.0, "sale_price": 44767.0, "currency": "USD", "mileage": 9, "exterior_color": "Deep Black Pearl", "interior_color": "Black Leatherette", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4569", "stock_status": 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"https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca0tc580365/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA0TC580365.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA0TC580365.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA0TC580365.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca0tc580365/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,565. This offer applies to Stock #W4569, VIN 1V2CN2CA0TC580365. 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: $50,332. Advertised price: $44,767. Savings: $5,565, 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": "$50,332"}, {"label": "Advertised price", "value": "$44,767"}, {"label": "Savings", "value": "$5,565, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,565", "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", "computed_offers": {"generated_at": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44767.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA0TC580365_finance_60", "type": "finance_60", "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": 44767.0, "price_incl_doc": 44767.0, "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": 908.33, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 54499.57, "finance_charge": 6934.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4569, VIN 1V2CN2CA0TC580365. $908 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA0TC580365_finance_72", "type": "finance_72", "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": 44767.0, "price_incl_doc": 44767.0, "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": 788.06, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 56740.6, "finance_charge": 9175.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4569, VIN 1V2CN2CA0TC580365. $788 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,741. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA0TC580365_finance_84", "type": "finance_84", "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": 44767.0, "price_incl_doc": 44767.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.08, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 59310.91, "finance_charge": 11745.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4569, VIN 1V2CN2CA0TC580365. $706 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,311. 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_1V2CN2CA0TC580365_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 44767.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.32, "net_cap_cost": 45442.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.32}, "total_of_payments": 19512, "total_of_payments_unrounded": 19523.52}, "disclosure": "Estimated lease payment for stock #W4569, VIN 1V2CN2CA0TC580365. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $50,332. Lease selling price $44,767. Net capitalized cost $45,442. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA0TC580365_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 44767.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.03, "net_cap_cost": 42443.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.03}, "total_of_payments": 16164, "total_of_payments_unrounded": 16165.08}, "disclosure": "Estimated lease payment for stock #W4569, VIN 1V2CN2CA0TC580365. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,332. Lease selling price $44,767. Net capitalized cost $42,443. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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": 595}}, {"vin": "3VVER7RMXTM117050", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 36779.0, "msrp": 36779.0, "sale_price": 36779.0, "currency": "USD", "mileage": 8, "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 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": "W4717", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/7d36a6dc686c46b2a665ca835d7ad628.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/7d36a6dc686c46b2a665ca835d7ad628.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2c17ed04ca7e4ac2b038655fa5ea721f.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/de549386076a40aa8e7a8c586b1a87e4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/0b6abd72b7c74b11bbd8e9eeacfcfd69.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/c710495c16f04c59aabf22875170d019.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/d2fd13ac9b124219b9d5f1616364dc11.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/95083ac7678a4956b7426105fdaa16b7.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36779.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rmxtm117050/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rmxtm117050/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RMXTM117050.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RMXTM117050.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RMXTM117050.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rmxtm117050/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4717, VIN 3VVER7RMXTM117050. Advertised price: $36,779. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$36,779"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36779.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RMXTM117050_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36779.0, "price_incl_doc": 36779.0, "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": 746.25, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 44774.94, "finance_charge": 5697.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4717, VIN 3VVER7RMXTM117050. $746 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,775. 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_3VVER7RMXTM117050_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 647, "unit": "per_month", "display": "$647/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36779.0, "price_incl_doc": 36779.0, "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": 647.45, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 46616.09, "finance_charge": 7538.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4717, VIN 3VVER7RMXTM117050. $647 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,616. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RMXTM117050_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": 36779.0, "price_incl_doc": 36779.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.09, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 48727.77, "finance_charge": 9650.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4717, VIN 3VVER7RMXTM117050. $580 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,728. 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_3VVER7RMXTM117050_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": 36779.0, "selling_price": 36779.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.44, "net_cap_cost": 37454.0, "residual_value": 22802.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.44}, "total_of_payments": 19008, "total_of_payments_unrounded": 19023.84}, "disclosure": "Estimated lease payment for stock #W4717, VIN 3VVER7RMXTM117050. $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 $36,779. Lease selling price $36,779. Net capitalized cost $37,454. Residual value $22,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVER7RMXTM117050_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": 36779.0, "selling_price": 36779.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.15, "net_cap_cost": 34455.0, "residual_value": 22802.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.15}, "total_of_payments": 15660, "total_of_payments_unrounded": 15665.4}, "disclosure": "Estimated lease payment for stock #W4717, VIN 3VVER7RMXTM117050. $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 $36,779. Lease selling price $36,779. Net capitalized cost $34,455. Residual value $22,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 560}}, {"vin": "JM1NDAM74P0561920", "title": "2023 Mazda MX-5 Miata RF Grand Touring", "year": 2023, "make": "Mazda", "model": "MX-5 Miata RF", "trim": "Grand Touring", "decoded_trim": "Grand Touring", "condition": "used", "price": 30512.0, "msrp": 30512.0, "sale_price": 31362.0, "currency": "USD", "mileage": 10395, "exterior_color": "Machine Gray Metallic", "interior_color": "Teracotta", "drivetrain": "RWD", "body_style": "Convertible", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "RWD", "fuel_type": "Gasoline", "doors": 2}, "offers": [], "price_history": [], "window_sticker": {"msrp": 30512.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm1ndam74p0561920/2023-mazda-mx-5-miata-rf-convertible", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm1ndam74p0561920/2023-mazda-mx-5-miata-rf-convertible", "canonical_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 #PDM0825, VIN JM1NDAM74P0561920. Advertised price: $30,512. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$30,512"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30512.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1NDAM74P0561920_finance_48", "type": "finance_48", "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": 30512.0, "price_incl_doc": 30512.0, "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": 761.21, "amount_financed": 32419.0, "sales_tax": 1907.0, "total_of_payments": 36538.2, "finance_charge": 4119.2, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0825, VIN JM1NDAM74P0561920. $761 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,512, before any dealer documentation fee. Amount financed $32,419, including $1,907 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,538. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_60", "type": "finance_60", "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": 30512.0, "price_incl_doc": 30512.0, "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": 634.16, "amount_financed": 32419.0, "sales_tax": 1907.0, "total_of_payments": 38049.79, "finance_charge": 5630.79, "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. $634 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,512, before any dealer documentation fee. Amount financed $32,419, including $1,907 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,050. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 30512.0, "price_incl_doc": 30512.0, "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": 552.56, "amount_financed": 32419.0, "sales_tax": 1907.0, "total_of_payments": 39784.04, "finance_charge": 7365.04, "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. $553 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,512, before any dealer documentation fee. Amount financed $32,419, including $1,907 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,784. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 448}}, {"vin": "5LMTJ3DH5GUJ18617", "title": "2016 Lincoln MKC Reserve", "year": 2016, "make": "Lincoln", "model": "MKC", "trim": "Reserve", "decoded_trim": "Reserve", "condition": "used", "price": 15546.0, "msrp": 15546.0, "sale_price": 15998.0, "currency": "USD", "mileage": 60504, "exterior_color": "Burgundy Velvet Metallic Tinted Clearcoat", "interior_color": "Ebony", "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 2.3 L/140", "engine_displacement_l": 2.3, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0529", "stock_status": "Available", "availability": 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"MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.3L 4-Cylinder In-Line", "engine_displacement_l": 2.3, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 15546.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/5LMTJ3DH5GUJ18617.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5lmtj3dh5guj18617/2016-lincoln-mkc-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5lmtj3dh5guj18617/2016-lincoln-mkc-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5LMTJ3DH5GUJ18617.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5LMTJ3DH5GUJ18617.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5LMTJ3DH5GUJ18617.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5lmtj3dh5guj18617/2016-lincoln-mkc-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0529, VIN 5LMTJ3DH5GUJ18617. Advertised price: $15,546. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$15,546"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5LMTJ3DH5GUJ18617_finance_48", "type": "finance_48", "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": 15546.0, "price_incl_doc": 15546.0, "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": 387.84, "amount_financed": 16517.63, "sales_tax": 971.63, "total_of_payments": 18616.38, "finance_charge": 2098.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0529, VIN 5LMTJ3DH5GUJ18617. $388 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,546, before any dealer documentation fee. Amount financed $16,518, including $972 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $18,616. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5LMTJ3DH5GUJ18617_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15546.0, "price_incl_doc": 15546.0, "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": 323.11, "amount_financed": 16517.63, "sales_tax": 971.63, "total_of_payments": 19386.54, "finance_charge": 2868.91, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0529, VIN 5LMTJ3DH5GUJ18617. $323 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,546, before any dealer documentation fee. Amount financed $16,518, including $972 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,387. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5LMTJ3DH5GUJ18617_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15546.0, "price_incl_doc": 15546.0, "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": 281.53, "amount_financed": 16517.63, "sales_tax": 971.63, "total_of_payments": 20270.15, "finance_charge": 3752.52, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0529, VIN 5LMTJ3DH5GUJ18617. $282 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,546, before any dealer documentation fee. Amount financed $16,518, including $972 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,270. 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"}], "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": 470}}, {"vin": "1V2HN2CAXTC587118", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 49688.0, "msrp": 49688.0, "sale_price": 44768.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4660", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/9adf8c9bfb0e4bae810ef71b50b95a25.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/9adf8c9bfb0e4bae810ef71b50b95a25.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9197e278c50d4d4480c7162d32dad832.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9566f198b67a4e92ba86653b4c9ab3e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86ce0ab6614d4d86b16c40d2a8993f6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bdf85baac1e04fdea9180f93a0969b93.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc63f38500f340bca55d8ac527c76f35.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/03ffb8f6c1834bc8a7b05518e0f5d888.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49688.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc587118/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc587118/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CAXTC587118.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CAXTC587118.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CAXTC587118.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc587118/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4660, VIN 1V2HN2CAXTC587118. Advertised price: $49,688. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$49,688"}], "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": "2026-07-26T16:50:23Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49688.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CAXTC587118_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1008, "unit": "per_month", "display": "$1,008/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49688.0, "price_incl_doc": 49688.0, "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": 1008.17, "amount_financed": 52793.5, "sales_tax": 3105.5, "total_of_payments": 60490.41, "finance_charge": 7696.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4660, VIN 1V2HN2CAXTC587118. $1,008 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,688, before any dealer documentation fee. Amount financed $52,794, including $3,106 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,490. 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_1V2HN2CAXTC587118_finance_72", "type": "finance_72", "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": 49688.0, "price_incl_doc": 49688.0, "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": 874.69, "amount_financed": 52793.5, "sales_tax": 3105.5, "total_of_payments": 62977.79, "finance_charge": 10184.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4660, VIN 1V2HN2CAXTC587118. $875 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,688, before any dealer documentation fee. Amount financed $52,794, including $3,106 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $62,978. 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_1V2HN2CAXTC587118_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": 49688.0, "price_incl_doc": 49688.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 783.7, "amount_financed": 52793.5, "sales_tax": 3105.5, "total_of_payments": 65830.65, "finance_charge": 13037.15, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4660, VIN 1V2HN2CAXTC587118. $784 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,688, before any dealer documentation fee. Amount financed $52,794, including $3,106 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $65,831. 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_1V2HN2CAXTC587118_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49688.0, "selling_price": 49688.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 706.55, "net_cap_cost": 50363.0, "residual_value": 30806.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 706.55, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 866.55}, "total_of_payments": 25452, "total_of_payments_unrounded": 25435.8}, "disclosure": "Estimated lease payment for stock #W4660, VIN 1V2HN2CAXTC587118. $707 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $867, made up of $707 first payment, $60 title, $100 registration. MSRP $49,688. Lease selling price $49,688. Net capitalized cost $50,363. Residual value $30,807, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,452. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC587118_lease", "type": "lease", "label": "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": 49688.0, "selling_price": 49688.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 613.26, "net_cap_cost": 47364.0, "residual_value": 30806.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 613.26, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3772.26}, "total_of_payments": 22068, "total_of_payments_unrounded": 22077.36}, "disclosure": "Estimated lease payment for stock #W4660, VIN 1V2HN2CAXTC587118. $613 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,772, made up of $613 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,688. Lease selling price $49,688. Net capitalized cost $47,364. Residual value $30,807, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 542}}, {"vin": "3VV4C7B22TM060820", "title": "2026 Volkswagen Taos SEL", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 36378.0, "msrp": 39231.0, "sale_price": 36378.0, "currency": "USD", "mileage": 10, "exterior_color": "Bright Moss Green Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b22tm060820/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV4C7B22TM060820.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B22TM060820.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B22TM060820.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b22tm060820/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,853. This offer applies to Stock #VD262207, VIN 3VV4C7B22TM060820. 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: $39,231. Advertised price: $36,378. Savings: $2,853, 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": "$39,231"}, {"label": "Advertised price", "value": "$36,378"}, {"label": "Savings", "value": "$2,853, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,853", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36378.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B22TM060820_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": 36378.0, "price_incl_doc": 36378.0, "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": 738.11, "amount_financed": 38651.63, "sales_tax": 2273.63, "total_of_payments": 44286.76, "finance_charge": 5635.13, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262207, VIN 3VV4C7B22TM060820. $738 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,378, before any dealer documentation fee. Amount financed $38,652, including $2,274 estimated sales tax at 6.25%. That is $19.10 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_3VV4C7B22TM060820_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": 36378.0, "price_incl_doc": 36378.0, "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": 640.39, "amount_financed": 38651.63, "sales_tax": 2273.63, "total_of_payments": 46107.84, "finance_charge": 7456.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262207, VIN 3VV4C7B22TM060820. $640 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,378, before any dealer documentation fee. Amount financed $38,652, including $2,274 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,108. 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_3VV4C7B22TM060820_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": 36378.0, "price_incl_doc": 36378.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.77, "amount_financed": 38651.63, "sales_tax": 2273.63, "total_of_payments": 48196.5, "finance_charge": 9544.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262207, VIN 3VV4C7B22TM060820. $574 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,378, before any dealer documentation fee. Amount financed $38,652, including $2,274 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,196. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B22TM060820_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 474, "unit": "per_month", "display": "$474/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39231.0, "selling_price": 36378.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 473.52, "net_cap_cost": 37053.0, "residual_value": 24323.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 473.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 633.52}, "total_of_payments": 17064, "total_of_payments_unrounded": 17046.72}, "disclosure": "Estimated lease payment for stock #VD262207, VIN 3VV4C7B22TM060820. $474 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $634, made up of $474 first payment, $60 title, $100 registration. MSRP $39,231. Lease selling price $36,378. Net capitalized cost $37,053. Residual value $24,323, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $17,064. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B22TM060820_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": 39231.0, "selling_price": 36378.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 380.23, "net_cap_cost": 34054.0, "residual_value": 24323.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 380.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3539.23}, "total_of_payments": 13680, "total_of_payments_unrounded": 13688.28}, "disclosure": "Estimated lease payment for stock #VD262207, VIN 3VV4C7B22TM060820. $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 $39,231. Lease selling price $36,378. Net capitalized cost $34,054. Residual value $24,323, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca8tc529900/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA8TC529900.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA8TC529900.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA8TC529900.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca8tc529900/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,140. This offer applies to Stock #VD261725, VIN 1V2HN2CA8TC529900. 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: $48,416. Advertised price: $43,276. Savings: $5,140, 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": "$48,416"}, {"label": "Advertised price", "value": "$43,276"}, {"label": "Savings", "value": "$5,140, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,140", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43276.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA8TC529900_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": 43276.0, "price_incl_doc": 43276.0, "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": 878.07, "amount_financed": 45980.75, "sales_tax": 2704.75, "total_of_payments": 52684.41, "finance_charge": 6703.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261725, VIN 1V2HN2CA8TC529900. $878 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,276, before any dealer documentation fee. Amount financed $45,981, including $2,705 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,684. 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_1V2HN2CA8TC529900_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": 43276.0, "price_incl_doc": 43276.0, "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": 761.82, "amount_financed": 45980.75, "sales_tax": 2704.75, "total_of_payments": 54850.81, "finance_charge": 8870.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261725, VIN 1V2HN2CA8TC529900. $762 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,276, before any dealer documentation fee. Amount financed $45,981, including $2,705 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,851. 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"}, {"offer_id": "of_1V2HN2CA8TC529900_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": 43276.0, "price_incl_doc": 43276.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.57, "amount_financed": 45980.75, "sales_tax": 2704.75, "total_of_payments": 57335.51, "finance_charge": 11354.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261725, VIN 1V2HN2CA8TC529900. $683 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,276, before any dealer documentation fee. Amount financed $45,981, including $2,705 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,336. 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_1V2HN2CA8TC529900_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": 48416.0, "selling_price": 43276.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 529.11, "net_cap_cost": 43951.0, "residual_value": 30017.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 529.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 689.11}, "total_of_payments": 19044, "total_of_payments_unrounded": 19047.96}, "disclosure": "Estimated lease payment for stock #VD261725, VIN 1V2HN2CA8TC529900. $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 $48,416. Lease selling price $43,276. Net capitalized cost $43,951. Residual value $30,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA8TC529900_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": 48416.0, "selling_price": 43276.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.82, "net_cap_cost": 40952.0, "residual_value": 30017.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.82}, "total_of_payments": 15696, "total_of_payments_unrounded": 15689.52}, "disclosure": "Estimated lease payment for stock #VD261725, VIN 1V2HN2CA8TC529900. $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 $48,416. Lease selling price $43,276. Net capitalized cost $40,952. Residual value $30,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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": 444}}, {"vin": "3VWBW7BU9TM024540", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 24926.0, "msrp": 26877.0, "sale_price": 24926.0, "currency": "USD", "mileage": 10, "exterior_color": "Platinum Gray Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4297", "stock_status": "Available", "availability": "In Stock", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm024540/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU9TM024540.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU9TM024540.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU9TM024540.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm024540/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $1,951. This offer applies to Stock #W4297, VIN 3VWBW7BU9TM024540. 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: $26,877. Advertised price: $24,926. Savings: $1,951, 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": "$26,877"}, {"label": "Advertised price", "value": "$24,926"}, {"label": "Savings", "value": "$1,951, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,951", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU9TM024540_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "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": 505.75, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 30345.04, "finance_charge": 3861.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4297, VIN 3VWBW7BU9TM024540. $506 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU9TM024540_finance_72", "type": "finance_72", "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": 24926.0, "price_incl_doc": 24926.0, "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": 438.79, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 31592.83, "finance_charge": 5108.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4297, VIN 3VWBW7BU9TM024540. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,593. 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_3VWBW7BU9TM024540_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 393.14, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 33023.97, "finance_charge": 6540.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4297, VIN 3VWBW7BU9TM024540. $393 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,024. 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_3VWBW7BU9TM024540_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 331.13, "net_cap_cost": 25601.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 331.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 491.13}, "total_of_payments": 11916, "total_of_payments_unrounded": 11920.68}, "disclosure": "Estimated lease payment for stock #W4297, VIN 3VWBW7BU9TM024540. $331 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $491, made up of $331 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $25,601. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU9TM024540_lease", "type": "lease", "label": "Lease", "headline": {"value": 238, "unit": "per_month", "display": "$238/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 237.84, "net_cap_cost": 22602.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 237.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3396.84}, "total_of_payments": 8568, "total_of_payments_unrounded": 8562.24}, "disclosure": "Estimated lease payment for stock #W4297, VIN 3VWBW7BU9TM024540. $238 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,397, made up of $238 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $22,602. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,568. 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": [{"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.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm089679/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM3TM089679.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM089679.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM089679.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm089679/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,569. This offer applies to Stock #W4483, VIN 3VVGR7RM3TM089679. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM089679_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4483, VIN 3VVGR7RM3TM089679. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM089679_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4483, VIN 3VVGR7RM3TM089679. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM3TM089679_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4483, VIN 3VVGR7RM3TM089679. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM3TM089679_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4483, VIN 3VVGR7RM3TM089679. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM3TM089679_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4483, VIN 3VVGR7RM3TM089679. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 466}}, {"vin": "3VV8C7B29TM059116", "title": "2026 Volkswagen Taos S", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 28200.0, "msrp": 28200.0, "sale_price": 28200.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4650", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/53253901fc2444c5a9c1fce5c222d15b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/53253901fc2444c5a9c1fce5c222d15b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a86fa74a44b34904ac617158e867e30c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d59e89061a604f30b6aef3962897f46f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/252816382491474bbf016d3bf4f5c07f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e93e03ce93c746d98d06a025c6072972.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/83e522141e1d47b2be4c1a7e1a3a145d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6a86f08990b407a853d2fd54e71028c.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2026, "trim": "4Motion S", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 28200.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv8c7b29tm059116/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv8c7b29tm059116/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV8C7B29TM059116.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV8C7B29TM059116.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV8C7B29TM059116.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv8c7b29tm059116/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4650, VIN 3VV8C7B29TM059116. Advertised price: $28,200. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$28,200"}], "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28200.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV8C7B29TM059116_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": 28200.0, "price_incl_doc": 28200.0, "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": 572.18, "amount_financed": 29962.5, "sales_tax": 1762.5, "total_of_payments": 34330.82, "finance_charge": 4368.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4650, VIN 3VV8C7B29TM059116. $572 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,200, before any dealer documentation fee. Amount financed $29,962, including $1,762 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,331. 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_3VV8C7B29TM059116_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": 28200.0, "price_incl_doc": 28200.0, "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": 496.42, "amount_financed": 29962.5, "sales_tax": 1762.5, "total_of_payments": 35742.51, "finance_charge": 5780.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4650, VIN 3VV8C7B29TM059116. $496 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,200, before any dealer documentation fee. Amount financed $29,962, including $1,762 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,743. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV8C7B29TM059116_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": 28200.0, "price_incl_doc": 28200.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 444.78, "amount_financed": 29962.5, "sales_tax": 1762.5, "total_of_payments": 37361.62, "finance_charge": 7399.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4650, VIN 3VV8C7B29TM059116. $445 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,200, before any dealer documentation fee. Amount financed $29,962, including $1,762 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $37,362. 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_3VV8C7B29TM059116_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28200.0, "selling_price": 28200.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 410.08, "net_cap_cost": 28875.0, "residual_value": 17484.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 410.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 570.08}, "total_of_payments": 14760, "total_of_payments_unrounded": 14762.88}, "disclosure": "Estimated lease payment for stock #W4650, VIN 3VV8C7B29TM059116. $410 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $570, made up of $410 first payment, $60 title, $100 registration. MSRP $28,200. Lease selling price $28,200. Net capitalized cost $28,875. Residual value $17,484, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,760. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV8C7B29TM059116_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": 28200.0, "selling_price": 28200.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 316.79, "net_cap_cost": 25876.0, "residual_value": 17484.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 316.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3475.79}, "total_of_payments": 11412, "total_of_payments_unrounded": 11404.44}, "disclosure": "Estimated lease payment for stock #W4650, VIN 3VV8C7B29TM059116. $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 $28,200. Lease selling price $28,200. Net capitalized cost $25,876. Residual value $17,484, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 493}}, {"vin": "1V2KN2CA9TC584037", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 49838.0, "msrp": 49838.0, "sale_price": 44851.0, "currency": "USD", "mileage": 5, "exterior_color": "Avocado Green", "interior_color": "TITAN BLACK LEA", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc584037/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA9TC584037.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC584037.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC584037.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc584037/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4635, VIN 1V2KN2CA9TC584037. Advertised price: $49,838. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$49,838"}], "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49838.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA9TC584037_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1011, "unit": "per_month", "display": "$1,011/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49838.0, "price_incl_doc": 49838.0, "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": 1011.22, "amount_financed": 52952.88, "sales_tax": 3114.88, "total_of_payments": 60673.03, "finance_charge": 7720.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4635, VIN 1V2KN2CA9TC584037. $1,011 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,838, before any dealer documentation fee. Amount financed $52,953, including $3,115 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,673. 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_1V2KN2CA9TC584037_finance_72", "type": "finance_72", "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": 49838.0, "price_incl_doc": 49838.0, "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": 877.33, "amount_financed": 52952.88, "sales_tax": 3114.88, "total_of_payments": 63167.92, "finance_charge": 10215.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4635, VIN 1V2KN2CA9TC584037. $877 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,838, before any dealer documentation fee. Amount financed $52,953, including $3,115 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,168. 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_1V2KN2CA9TC584037_finance_84", "type": "finance_84", "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": 49838.0, "price_incl_doc": 49838.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 786.06, "amount_financed": 52952.88, "sales_tax": 3114.88, "total_of_payments": 66029.38, "finance_charge": 13076.5, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4635, VIN 1V2KN2CA9TC584037. $786 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,838, before any dealer documentation fee. Amount financed $52,953, including $3,115 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $66,029. 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_1V2KN2CA9TC584037_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": 49838.0, "selling_price": 49838.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 708.62, "net_cap_cost": 50513.0, "residual_value": 30899.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 708.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 868.62}, "total_of_payments": 25524, "total_of_payments_unrounded": 25510.32}, "disclosure": "Estimated lease payment for stock #W4635, VIN 1V2KN2CA9TC584037. $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 $49,838. Lease selling price $49,838. Net capitalized cost $50,513. Residual value $30,900, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA9TC584037_lease", "type": "lease", "label": "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": 49838.0, "selling_price": 49838.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 615.33, "net_cap_cost": 47514.0, "residual_value": 30899.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 615.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3774.33}, "total_of_payments": 22140, "total_of_payments_unrounded": 22151.88}, "disclosure": "Estimated lease payment for stock #W4635, VIN 1V2KN2CA9TC584037. $615 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,774, made up of $615 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,838. Lease selling price $49,838. Net capitalized cost $47,514. Residual value $30,900, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 471}}, {"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": 54750.0, "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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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca8tc578055/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA8TC578055.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA8TC578055.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA8TC578055.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca8tc578055/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,565. This offer applies to Stock #W4560, VIN 1V2CN2CA8TC578055. 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: $50,332. Advertised price: $44,767. Savings: $5,565, 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": "$50,332"}, {"label": "Advertised price", "value": "$44,767"}, {"label": "Savings", "value": "$5,565, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,565", "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", "computed_offers": {"generated_at": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44767.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA8TC578055_finance_60", "type": "finance_60", "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": 44767.0, "price_incl_doc": 44767.0, "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": 908.33, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 54499.57, "finance_charge": 6934.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4560, VIN 1V2CN2CA8TC578055. $908 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA8TC578055_finance_72", "type": "finance_72", "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": 44767.0, "price_incl_doc": 44767.0, "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": 788.06, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 56740.6, "finance_charge": 9175.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4560, VIN 1V2CN2CA8TC578055. $788 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,741. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA8TC578055_finance_84", "type": "finance_84", "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": 44767.0, "price_incl_doc": 44767.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.08, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 59310.91, "finance_charge": 11745.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4560, VIN 1V2CN2CA8TC578055. $706 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,311. 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_1V2CN2CA8TC578055_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 44767.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.32, "net_cap_cost": 45442.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.32}, "total_of_payments": 19512, "total_of_payments_unrounded": 19523.52}, "disclosure": "Estimated lease payment for stock #W4560, VIN 1V2CN2CA8TC578055. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $50,332. Lease selling price $44,767. Net capitalized cost $45,442. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA8TC578055_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 44767.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.03, "net_cap_cost": 42443.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.03}, "total_of_payments": 16164, "total_of_payments_unrounded": 16165.08}, "disclosure": "Estimated lease payment for stock #W4560, VIN 1V2CN2CA8TC578055. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,332. Lease selling price $44,767. Net capitalized cost $42,443. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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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Peak Edition SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50628.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc584808/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc584808/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA6TC584808.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC584808.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC584808.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc584808/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,617. This offer applies to Stock #W4670, VIN 1V2CN2CA6TC584808. 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: $50,628. Advertised price: $45,011. Savings: $5,617, 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": "$50,628"}, {"label": "Advertised price", "value": "$45,011"}, {"label": "Savings", "value": "$5,617, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,617", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45011.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA6TC584808_finance_60", "type": "finance_60", "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": 45011.0, "price_incl_doc": 45011.0, "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": 913.28, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 54796.61, "finance_charge": 6972.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4670, VIN 1V2CN2CA6TC584808. $913 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,797. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC584808_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 792, "unit": "per_month", "display": "$792/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45011.0, "price_incl_doc": 45011.0, "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": 792.36, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 57049.86, "finance_charge": 9225.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4670, VIN 1V2CN2CA6TC584808. $792 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,050. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC584808_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": 45011.0, "price_incl_doc": 45011.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.93, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 59634.18, "finance_charge": 11809.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4670, VIN 1V2CN2CA6TC584808. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,634. 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_1V2CN2CA6TC584808_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50628.0, "selling_price": 45011.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.79, "net_cap_cost": 45686.0, "residual_value": 31389.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.79}, "total_of_payments": 19620, "total_of_payments_unrounded": 19612.44}, "disclosure": "Estimated lease payment for stock #W4670, VIN 1V2CN2CA6TC584808. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $50,628. Lease selling price $45,011. Net capitalized cost $45,686. Residual value $31,389, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2CN2CA6TC584808_lease", "type": "lease", "label": "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": 50628.0, "selling_price": 45011.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.5, "net_cap_cost": 42687.0, "residual_value": 31389.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.5}, "total_of_payments": 16272, "total_of_payments_unrounded": 16254.0}, "disclosure": "Estimated lease payment for stock #W4670, VIN 1V2CN2CA6TC584808. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,610, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,628. Lease selling price $45,011. Net capitalized cost $42,687. Residual value $31,389, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 492}}, {"vin": "1V2LN2CA3TC545254", "title": "2026 Volkswagen Atlas 2.0T SE", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 39182.0, "msrp": 44266.0, "sale_price": 39182.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White Pearl", "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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD262023", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/c9c2829fb941458bbc13e923f6f26973.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/c9c2829fb941458bbc13e923f6f26973.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/d81444929af3456980ab197799c323a0.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/7f06a5c9929d450ca18cd47610d509e8.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/f0a1b57620d34c16ad7cae2192a769b6.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/a43c437dc0934fa99859305c0511c38f.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/4cf99a5eab914f848f2cc8ca91c34563.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/00c922c3f5ed4128b788248333c08d9b.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 44266.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca3tc545254/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca3tc545254/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2LN2CA3TC545254.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA3TC545254.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA3TC545254.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca3tc545254/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,084. This offer applies to Stock #VD262023, VIN 1V2LN2CA3TC545254. 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: $44,266. Advertised price: $39,182. Savings: $5,084, 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": "$44,266"}, {"label": "Advertised price", "value": "$39,182"}, {"label": "Savings", "value": "$5,084, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,084", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39182.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CA3TC545254_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": 39182.0, "price_incl_doc": 39182.0, "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": 795.01, "amount_financed": 41630.88, "sales_tax": 2448.88, "total_of_payments": 47700.36, "finance_charge": 6069.48, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262023, VIN 1V2LN2CA3TC545254. $795 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,182, before any dealer documentation fee. Amount financed $41,631, including $2,449 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,700. 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_1V2LN2CA3TC545254_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": 39182.0, "price_incl_doc": 39182.0, "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": 689.75, "amount_financed": 41630.88, "sales_tax": 2448.88, "total_of_payments": 49661.81, "finance_charge": 8030.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262023, VIN 1V2LN2CA3TC545254. $690 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,182, before any dealer documentation fee. Amount financed $41,631, including $2,449 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,662. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA3TC545254_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": 39182.0, "price_incl_doc": 39182.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 617.99, "amount_financed": 41630.88, "sales_tax": 2448.88, "total_of_payments": 51911.46, "finance_charge": 10280.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262023, VIN 1V2LN2CA3TC545254. $618 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,182, before any dealer documentation fee. Amount financed $41,631, including $2,449 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,911. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA3TC545254_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 474, "unit": "per_month", "display": "$474/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44266.0, "selling_price": 39182.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 473.59, "net_cap_cost": 39857.0, "residual_value": 27444.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 473.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 633.59}, "total_of_payments": 17064, "total_of_payments_unrounded": 17049.24}, "disclosure": "Estimated lease payment for stock #VD262023, VIN 1V2LN2CA3TC545254. $474 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $634, made up of $474 first payment, $60 title, $100 registration. MSRP $44,266. Lease selling price $39,182. Net capitalized cost $39,857. Residual value $27,445, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $17,064. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA3TC545254_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": 44266.0, "selling_price": 39182.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 380.3, "net_cap_cost": 36858.0, "residual_value": 27444.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 380.3, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3539.3}, "total_of_payments": 13680, "total_of_payments_unrounded": 13690.8}, "disclosure": "Estimated lease payment for stock #VD262023, VIN 1V2LN2CA3TC545254. $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 $44,266. Lease selling price $39,182. Net capitalized cost $36,858. Residual value $27,445, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 489}}, {"vin": "3VW7W7BU0TM018860", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27495.0, "msrp": 29681.0, "sale_price": 27495.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD261788", "stock_status": "Available", "availability": "In Stock", 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"dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu0tm018860/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU0TM018860.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU0TM018860.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU0TM018860.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu0tm018860/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,186. This offer applies to Stock #VD261788, VIN 3VW7W7BU0TM018860. 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: $29,681. Advertised price: $27,495. Savings: $2,186, 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": "$29,681"}, {"label": "Advertised price", "value": "$27,495"}, {"label": "Savings", "value": "$2,186, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,186", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_3VW7W7BU0TM018860_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 #VD261788, VIN 3VW7W7BU0TM018860. $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_3VW7W7BU0TM018860_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 #VD261788, VIN 3VW7W7BU0TM018860. $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_3VW7W7BU0TM018860_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 #VD261788, VIN 3VW7W7BU0TM018860. $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_3VW7W7BU0TM018860_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 363, "unit": "per_month", "display": "$363/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27495.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 362.51, "net_cap_cost": 28170.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 362.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 522.51}, "total_of_payments": 13068, "total_of_payments_unrounded": 13050.36}, "disclosure": "Estimated lease payment for stock #VD261788, VIN 3VW7W7BU0TM018860. $363 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $523, made up of $363 first payment, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,495. Net capitalized cost $28,170. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,068. 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_3VW7W7BU0TM018860_lease", "type": "lease", "label": "Lease", "headline": {"value": 269, "unit": "per_month", "display": "$269/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27495.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 269.22, "net_cap_cost": 25171.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 269.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3428.22}, "total_of_payments": 9684, "total_of_payments_unrounded": 9691.92}, "disclosure": "Estimated lease payment for stock #VD261788, VIN 3VW7W7BU0TM018860. $269 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,428, made up of $269 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,495. Net capitalized cost $25,171. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,684. 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. 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm073264/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM4TM073264.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM073264.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM073264.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm073264/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,792. This offer applies to Stock #VD262121, VIN 3VVGR7RM4TM073264. 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: $40,821. Advertised price: $37,029. Savings: $3,792, 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": "$40,821"}, {"label": "Advertised price", "value": "$37,029"}, {"label": "Savings", "value": "$3,792, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,792", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37029.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM073264_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": 37029.0, "price_incl_doc": 37029.0, "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": 751.32, "amount_financed": 39343.31, "sales_tax": 2314.31, "total_of_payments": 45079.28, "finance_charge": 5735.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262121, VIN 3VVGR7RM4TM073264. $751 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,029, before any dealer documentation fee. Amount financed $39,343, including $2,314 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,079. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM4TM073264_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": 37029.0, "price_incl_doc": 37029.0, "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": 651.85, "amount_financed": 39343.31, "sales_tax": 2314.31, "total_of_payments": 46932.95, "finance_charge": 7589.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262121, VIN 3VVGR7RM4TM073264. $652 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,029, before any dealer documentation fee. Amount financed $39,343, including $2,314 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,933. 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_3VVGR7RM4TM073264_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": 37029.0, "price_incl_doc": 37029.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 584.04, "amount_financed": 39343.31, "sales_tax": 2314.31, "total_of_payments": 49058.98, "finance_charge": 9715.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262121, VIN 3VVGR7RM4TM073264. $584 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,029, before any dealer documentation fee. Amount financed $39,343, including $2,314 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,059. 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_3VVGR7RM4TM073264_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": 40821.0, "selling_price": 37029.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 466.25, "net_cap_cost": 37704.0, "residual_value": 25309.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 466.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 626.25}, "total_of_payments": 16776, "total_of_payments_unrounded": 16785.0}, "disclosure": "Estimated lease payment for stock #VD262121, VIN 3VVGR7RM4TM073264. $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 $40,821. Lease selling price $37,029. Net capitalized cost $37,704. Residual value $25,309, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM073264_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": 40821.0, "selling_price": 37029.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 372.96, "net_cap_cost": 34705.0, "residual_value": 25309.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 372.96, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3531.96}, "total_of_payments": 13428, "total_of_payments_unrounded": 13426.56}, "disclosure": "Estimated lease payment for stock #VD262121, VIN 3VVGR7RM4TM073264. $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 $40,821. Lease selling price $37,029. Net capitalized cost $34,705. Residual value $25,309, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://ai.castlevwdownersgrove.com/vehicle/3VV4C7B27TM047819.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B27TM047819.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B27TM047819.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b27tm047819/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,407. This offer applies to Stock #W4392, VIN 3VV4C7B27TM047819. 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: $38,316. Advertised price: $35,909. Savings: $2,407, 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": "$38,316"}, {"label": "Advertised price", "value": "$35,909"}, {"label": "Savings", "value": "$2,407, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,407", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35909.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B27TM047819_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": 35909.0, "price_incl_doc": 35909.0, "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": 728.6, "amount_financed": 38153.31, "sales_tax": 2244.31, "total_of_payments": 43715.79, "finance_charge": 5562.48, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4392, VIN 3VV4C7B27TM047819. $729 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,909, before any dealer documentation fee. Amount financed $38,153, including $2,244 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,716. 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_3VV4C7B27TM047819_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": 35909.0, "price_incl_doc": 35909.0, "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": 632.13, "amount_financed": 38153.31, "sales_tax": 2244.31, "total_of_payments": 45513.39, "finance_charge": 7360.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4392, VIN 3VV4C7B27TM047819. $632 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,909, before any dealer documentation fee. Amount financed $38,153, including $2,244 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,513. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B27TM047819_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": 35909.0, "price_incl_doc": 35909.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.37, "amount_financed": 38153.31, "sales_tax": 2244.31, "total_of_payments": 47575.12, "finance_charge": 9421.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4392, VIN 3VV4C7B27TM047819. $566 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,909, before any dealer documentation fee. Amount financed $38,153, including $2,244 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,575. 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_3VV4C7B27TM047819_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": 38316.0, "selling_price": 35909.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 474.77, "net_cap_cost": 36584.0, "residual_value": 23755.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 474.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 634.77}, "total_of_payments": 17100, "total_of_payments_unrounded": 17091.72}, "disclosure": "Estimated lease payment for stock #W4392, VIN 3VV4C7B27TM047819. $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 $38,316. Lease selling price $35,909. Net capitalized cost $36,584. Residual value $23,756, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV4C7B27TM047819_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": 38316.0, "selling_price": 35909.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 381.48, "net_cap_cost": 33585.0, "residual_value": 23755.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 381.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3540.48}, "total_of_payments": 13716, "total_of_payments_unrounded": 13733.28}, "disclosure": "Estimated lease payment for stock #W4392, VIN 3VV4C7B27TM047819. $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 $38,316. Lease selling price $35,909. Net capitalized cost $33,585. Residual value $23,756, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 492}}, {"vin": "1V2HC2CA1TC237558", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 47783.0, "msrp": 47783.0, "sale_price": 47783.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Black Pearl", "interior_color": null, "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.0L  270 HP  4 cylinder", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-speed Automatic w/ Tiptronic  4MOTION", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "TC237558", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://service.secureoffersites.com/images/GetEvoxImage?styleid=476816", "images": ["https://service.secureoffersites.com/images/GetEvoxImage?styleid=476816"], "vin_decode": {"make": "Volkswagen", "model": "Atlas Cross Sport", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 47783.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hc2ca1tc237558/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hc2ca1tc237558/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HC2CA1TC237558.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HC2CA1TC237558.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HC2CA1TC237558.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hc2ca1tc237558/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #TC237558, VIN 1V2HC2CA1TC237558. Advertised price: $47,783. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$47,783"}], "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47783.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HC2CA1TC237558_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 970, "unit": "per_month", "display": "$970/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47783.0, "price_incl_doc": 47783.0, "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": 969.52, "amount_financed": 50769.44, "sales_tax": 2986.44, "total_of_payments": 58171.26, "finance_charge": 7401.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TC237558, VIN 1V2HC2CA1TC237558. $970 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,783, before any dealer documentation fee. Amount financed $50,769, including $2,986 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,171. 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_1V2HC2CA1TC237558_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47783.0, "price_incl_doc": 47783.0, "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": 841.16, "amount_financed": 50769.44, "sales_tax": 2986.44, "total_of_payments": 60563.28, "finance_charge": 9793.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TC237558, VIN 1V2HC2CA1TC237558. $841 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,783, before any dealer documentation fee. Amount financed $50,769, including $2,986 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,563. 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_1V2HC2CA1TC237558_finance_84", "type": "finance_84", "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": 47783.0, "price_incl_doc": 47783.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.65, "amount_financed": 50769.44, "sales_tax": 2986.44, "total_of_payments": 63306.75, "finance_charge": 12537.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TC237558, VIN 1V2HC2CA1TC237558. $754 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,783, before any dealer documentation fee. Amount financed $50,769, including $2,986 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,307. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HC2CA1TC237558_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47783.0, "selling_price": 47783.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 680.27, "net_cap_cost": 48458.0, "residual_value": 29625.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 680.27, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 840.27}, "total_of_payments": 24480, "total_of_payments_unrounded": 24489.72}, "disclosure": "Estimated lease payment for stock #TC237558, VIN 1V2HC2CA1TC237558. $680 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $840, made up of $680 first payment, $60 title, $100 registration. MSRP $47,783. Lease selling price $47,783. Net capitalized cost $48,458. Residual value $29,625, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $24,480. 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"}, {"offer_id": "of_1V2HC2CA1TC237558_lease", "type": "lease", "label": "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": 47783.0, "selling_price": 47783.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 586.98, "net_cap_cost": 45459.0, "residual_value": 29625.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 586.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3745.98}, "total_of_payments": 21132, "total_of_payments_unrounded": 21131.28}, "disclosure": "Estimated lease payment for stock #TC237558, VIN 1V2HC2CA1TC237558. $587 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,746, made up of $587 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,783. Lease selling price $47,783. Net capitalized cost $45,459. Residual value $29,625, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 510}}, {"vin": "1V2KN2CA9TC575337", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44881.0, "msrp": 49853.0, "sale_price": 44881.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "interior_color": "Titan Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc575337/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA9TC575337.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC575337.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC575337.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc575337/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,972. This offer applies to Stock #W4542, VIN 1V2KN2CA9TC575337. 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: $49,853. Advertised price: $44,881. Savings: $4,972, 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": "$49,853"}, {"label": "Advertised price", "value": "$44,881"}, {"label": "Savings", "value": "$4,972, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,972", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44881.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA9TC575337_finance_60", "type": "finance_60", "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": 44881.0, "price_incl_doc": 44881.0, "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": 910.64, "amount_financed": 47686.06, "sales_tax": 2805.06, "total_of_payments": 54638.34, "finance_charge": 6952.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4542, VIN 1V2KN2CA9TC575337. $911 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,881, before any dealer documentation fee. Amount financed $47,686, including $2,805 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,638. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC575337_finance_72", "type": "finance_72", "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": 44881.0, "price_incl_doc": 44881.0, "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": 790.07, "amount_financed": 47686.06, "sales_tax": 2805.06, "total_of_payments": 56885.09, "finance_charge": 9199.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4542, VIN 1V2KN2CA9TC575337. $790 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,881, before any dealer documentation fee. Amount financed $47,686, including $2,805 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,885. 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_1V2KN2CA9TC575337_finance_84", "type": "finance_84", "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": 44881.0, "price_incl_doc": 44881.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.88, "amount_financed": 47686.06, "sales_tax": 2805.06, "total_of_payments": 59461.94, "finance_charge": 11775.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4542, VIN 1V2KN2CA9TC575337. $708 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,881, before any dealer documentation fee. Amount financed $47,686, including $2,805 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,462. 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_1V2KN2CA9TC575337_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49853.0, "selling_price": 44881.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 554.16, "net_cap_cost": 45556.0, "residual_value": 30908.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 554.16, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 714.16}, "total_of_payments": 19944, "total_of_payments_unrounded": 19949.76}, "disclosure": "Estimated lease payment for stock #W4542, VIN 1V2KN2CA9TC575337. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $49,853. Lease selling price $44,881. Net capitalized cost $45,556. Residual value $30,909, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC575337_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49853.0, "selling_price": 44881.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.87, "net_cap_cost": 42557.0, "residual_value": 30908.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.87}, "total_of_payments": 16596, "total_of_payments_unrounded": 16591.32}, "disclosure": "Estimated lease payment for stock #W4542, VIN 1V2KN2CA9TC575337. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,853. Lease selling price $44,881. Net capitalized cost $42,557. Residual value $30,909, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 471}}, {"vin": "WVWGA7CD9RW219925", "title": "2024 Volkswagen Golf GTI S", "year": 2024, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 26477.0, "msrp": 26477.0, "sale_price": 26477.0, "currency": "USD", "mileage": 43098, "exterior_color": "Moonstone Gray", "interior_color": "Titan Black/Scalepaper Plaid", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1058", "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/2003378/2264630/0x0/stock_images/5/2024VWC23_640/2024VWC230001_640_01.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/stock_images/5/2024VWC23_640/2024VWC230001_640_01.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2024, "trim": "S", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26477.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wvwga7cd9rw219925/2024-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wvwga7cd9rw219925/2024-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWGA7CD9RW219925.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWGA7CD9RW219925.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWGA7CD9RW219925.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wvwga7cd9rw219925/2024-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 #PDV1058, VIN WVWGA7CD9RW219925. Advertised price: $26,477. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$26,477"}], "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26477.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWGA7CD9RW219925_finance_48", "type": "finance_48", "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": 26477.0, "price_incl_doc": 26477.0, "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": 660.55, "amount_financed": 28131.81, "sales_tax": 1654.81, "total_of_payments": 31706.28, "finance_charge": 3574.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1058, VIN WVWGA7CD9RW219925. $661 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,477, before any dealer documentation fee. Amount financed $28,132, including $1,655 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,706. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 26477.0, "price_incl_doc": 26477.0, "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": 550.3, "amount_financed": 28131.81, "sales_tax": 1654.81, "total_of_payments": 33017.96, "finance_charge": 4886.15, "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. $550 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,477, before any dealer documentation fee. Amount financed $28,132, including $1,655 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,018. 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_WVWGA7CD9RW219925_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26477.0, "price_incl_doc": 26477.0, "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": 479.48, "amount_financed": 28131.81, "sales_tax": 1654.81, "total_of_payments": 34522.87, "finance_charge": 6391.06, "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. $479 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,477, before any dealer documentation fee. Amount financed $28,132, including $1,655 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,523. 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"}], "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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Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0928, VIN 5J6RM4H79FL062874. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [], "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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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde8th613154/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMJBCDE8TH613154.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMJBCDE8TH613154.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMJBCDE8TH613154.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde8th613154/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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": "2026-07-26T16:50:24Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29999.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 29999.0, "price_incl_doc": 29999.0, "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": 748.41, "amount_financed": 31873.94, "sales_tax": 1874.94, "total_of_payments": 35923.89, "finance_charge": 4049.95, "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. $748 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,999, before any dealer documentation fee. Amount financed $31,874, including $1,875 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,924. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 624, "unit": "per_month", "display": "$624/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29999.0, "price_incl_doc": 29999.0, "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": 623.5, "amount_financed": 31873.94, "sales_tax": 1874.94, "total_of_payments": 37410.06, "finance_charge": 5536.12, "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. $624 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,999, before any dealer documentation fee. Amount financed $31,874, including $1,875 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,410. 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": 29999.0, "price_incl_doc": 29999.0, "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": 543.27, "amount_financed": 31873.94, "sales_tax": 1874.94, "total_of_payments": 39115.15, "finance_charge": 7241.21, "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. $543 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,999, before any dealer documentation fee. Amount financed $31,874, including $1,875 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,115. 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": 45803.0, "price_incl_doc": 45803.0, "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": 929.35, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 55760.8, "finance_charge": 7095.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM143671, VIN 3VVUW7RM1TM143671. $929 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,761. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM1TM143671_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45803.0, "price_incl_doc": 45803.0, "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": 806.3, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 58053.7, "finance_charge": 9388.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM143671, VIN 3VVUW7RM1TM143671. $806 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM1TM143671_finance_84", "type": "finance_84", "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": 45803.0, "price_incl_doc": 45803.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 722.42, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 60683.49, "finance_charge": 12017.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM143671, VIN 3VVUW7RM1TM143671. $722 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,683. 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_3VVUW7RM1TM143671_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 45803.0, "selling_price": 45803.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.95, "net_cap_cost": 46478.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.95}, "total_of_payments": 23508, "total_of_payments_unrounded": 23506.2}, "disclosure": "Estimated lease payment for stock #TM143671, VIN 3VVUW7RM1TM143671. $653 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $813, made up of $653 first payment, $60 title, $100 registration. MSRP $45,803. Lease selling price $45,803. Net capitalized cost $46,478. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVUW7RM1TM143671_lease", "type": "lease", "label": "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": 45803.0, "selling_price": 45803.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 559.66, "net_cap_cost": 43479.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 559.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3718.66}, "total_of_payments": 20160, "total_of_payments_unrounded": 20147.76}, "disclosure": "Estimated lease payment for stock #TM143671, VIN 3VVUW7RM1TM143671. $560 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,719, made up of $560 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,803. Lease selling price $45,803. Net capitalized cost $43,479. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 445}}, {"vin": "3VWBW7BU8TM051163", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25924.0, "msrp": 28081.0, "sale_price": 25924.0, "currency": "USD", "mileage": 9, "exterior_color": "Kings Red Metallic", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 28081.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm051163/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm051163/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU8TM051163.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,157. This offer applies to Stock #W4472, VIN 3VWBW7BU8TM051163. 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: $28,081. Advertised price: $25,924. Savings: $2,157, 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": "$28,081"}, {"label": "Advertised price", "value": "$25,924"}, {"label": "Savings", "value": "$2,157, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,157", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25924.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU8TM051163_finance_60", "type": "finance_60", "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": 25924.0, "price_incl_doc": 25924.0, "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": 526.0, "amount_financed": 27544.25, "sales_tax": 1620.25, "total_of_payments": 31560.0, "finance_charge": 4015.75, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4472, VIN 3VWBW7BU8TM051163. $526 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,924, before any dealer documentation fee. Amount financed $27,544, including $1,620 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,560. 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_3VWBW7BU8TM051163_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 456, "unit": "per_month", "display": "$456/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25924.0, "price_incl_doc": 25924.0, "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": 456.36, "amount_financed": 27544.25, "sales_tax": 1620.25, "total_of_payments": 32857.76, "finance_charge": 5313.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4472, VIN 3VWBW7BU8TM051163. $456 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,924, before any dealer documentation fee. Amount financed $27,544, including $1,620 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,858. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU8TM051163_finance_84", "type": "finance_84", "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": 25924.0, "price_incl_doc": 25924.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 408.88, "amount_financed": 27544.25, "sales_tax": 1620.25, "total_of_payments": 34346.19, "finance_charge": 6801.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4472, VIN 3VWBW7BU8TM051163. $409 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,924, before any dealer documentation fee. Amount financed $27,544, including $1,620 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,346. 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_3VWBW7BU8TM051163_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28081.0, "selling_price": 25924.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 341.34, "net_cap_cost": 26599.0, "residual_value": 17410.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 341.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 501.34}, "total_of_payments": 12276, "total_of_payments_unrounded": 12288.24}, "disclosure": "Estimated lease payment for stock #W4472, VIN 3VWBW7BU8TM051163. $341 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $501, made up of $341 first payment, $60 title, $100 registration. MSRP $28,081. Lease selling price $25,924. Net capitalized cost $26,599. Residual value $17,410, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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_3VWBW7BU8TM051163_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28081.0, "selling_price": 25924.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 248.04, "net_cap_cost": 23600.0, "residual_value": 17410.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 248.04, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3407.04}, "total_of_payments": 8928, "total_of_payments_unrounded": 8929.44}, "disclosure": "Estimated lease payment for stock #W4472, VIN 3VWBW7BU8TM051163. $248 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,407, made up of $248 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,081. Lease selling price $25,924. Net capitalized cost $23,600. Residual value $17,410, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,928. 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": [{"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": 447}}, {"vin": "1V2KN2CA6TC591432", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 49997.0, "msrp": 49997.0, "sale_price": 45044.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4709", "stock_status": "Available", 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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 #W4709, VIN 1V2KN2CA6TC591432. Advertised price: $49,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$49,997"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA6TC591432_finance_60", "type": "finance_60", "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": 49997.0, "price_incl_doc": 49997.0, "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": 1014.44, "amount_financed": 53121.81, "sales_tax": 3124.81, "total_of_payments": 60866.59, "finance_charge": 7744.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4709, VIN 1V2KN2CA6TC591432. $1,014 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,997, before any dealer documentation fee. Amount financed $53,122, including $3,125 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,867. 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_1V2KN2CA6TC591432_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49997.0, "price_incl_doc": 49997.0, "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": 880.13, "amount_financed": 53121.81, "sales_tax": 3124.81, "total_of_payments": 63369.44, "finance_charge": 10247.63, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4709, VIN 1V2KN2CA6TC591432. $880 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,997, before any dealer documentation fee. Amount financed $53,122, including $3,125 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,369. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC591432_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": 49997.0, "price_incl_doc": 49997.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 788.57, "amount_financed": 53121.81, "sales_tax": 3124.81, "total_of_payments": 66240.03, "finance_charge": 13118.22, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4709, VIN 1V2KN2CA6TC591432. $789 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,997, before any dealer documentation fee. Amount financed $53,122, including $3,125 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $66,240. 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_1V2KN2CA6TC591432_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49997.0, "selling_price": 49997.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 710.81, "net_cap_cost": 50672.0, "residual_value": 30998.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 710.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 870.81}, "total_of_payments": 25596, "total_of_payments_unrounded": 25589.16}, "disclosure": "Estimated lease payment for stock #W4709, VIN 1V2KN2CA6TC591432. $711 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $871, made up of $711 first payment, $60 title, $100 registration. MSRP $49,997. Lease selling price $49,997. Net capitalized cost $50,672. Residual value $30,998, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC591432_lease", "type": "lease", "label": "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": 49997.0, "selling_price": 49997.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 617.52, "net_cap_cost": 47673.0, "residual_value": 30998.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 617.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3776.52}, "total_of_payments": 22248, "total_of_payments_unrounded": 22230.72}, "disclosure": "Estimated lease payment for stock #W4709, VIN 1V2KN2CA6TC591432. $618 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,777, made up of $618 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,997. Lease selling price $49,997. Net capitalized cost $47,673. Residual value $30,998, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 357}}, {"vin": "1V2BN2CA3TC577326", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 47707.0, "msrp": 52643.0, "sale_price": 47707.0, "currency": "USD", "mileage": 9, "exterior_color": "Pure Gray", "interior_color": "French Roast/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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4552", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/90bee21748a34ddf86fec8f5afa0be62.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/90bee21748a34ddf86fec8f5afa0be62.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2c6f60f4ebf84ad5a2445a6aea4d146b.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/41ca460f75404dfebd4eaf1262b9c9ca.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3baf4871432c4cbcad7b3d9ed437ecd0.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/0f43de03071d4bdc9d61b097190e4431.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/1c21f44b5551444ba93c3d478323ee13.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/56d62f12c7b546adb4fbc7d30217088f.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 52643.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca3tc577326/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca3tc577326/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA3TC577326.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA3TC577326.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA3TC577326.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca3tc577326/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,936. This offer applies to Stock #W4552, VIN 1V2BN2CA3TC577326. 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: $52,643. Advertised price: $47,707. Savings: $4,936, 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": "$52,643"}, {"label": "Advertised price", "value": "$47,707"}, {"label": "Savings", "value": "$4,936, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,936", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47707.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA3TC577326_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 968, "unit": "per_month", "display": "$968/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47707.0, "price_incl_doc": 47707.0, "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": 967.98, "amount_financed": 50688.69, "sales_tax": 2981.69, "total_of_payments": 58078.74, "finance_charge": 7390.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4552, VIN 1V2BN2CA3TC577326. $968 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,707, before any dealer documentation fee. Amount financed $50,689, including $2,982 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,079. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA3TC577326_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": 47707.0, "price_incl_doc": 47707.0, "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": 839.82, "amount_financed": 50688.69, "sales_tax": 2981.69, "total_of_payments": 60466.95, "finance_charge": 9778.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4552, VIN 1V2BN2CA3TC577326. $840 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,707, before any dealer documentation fee. Amount financed $50,689, including $2,982 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,467. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA3TC577326_finance_84", "type": "finance_84", "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": 47707.0, "price_incl_doc": 47707.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 752.45, "amount_financed": 50688.69, "sales_tax": 2981.69, "total_of_payments": 63206.06, "finance_charge": 12517.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4552, VIN 1V2BN2CA3TC577326. $752 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,707, before any dealer documentation fee. Amount financed $50,689, including $2,982 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,206. 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_1V2BN2CA3TC577326_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52643.0, "selling_price": 47707.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 593.77, "net_cap_cost": 48382.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 593.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 753.77}, "total_of_payments": 21384, "total_of_payments_unrounded": 21375.72}, "disclosure": "Estimated lease payment for stock #W4552, VIN 1V2BN2CA3TC577326. $594 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $754, made up of $594 first payment, $60 title, $100 registration. MSRP $52,643. Lease selling price $47,707. Net capitalized cost $48,382. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,384. 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"}, {"offer_id": "of_1V2BN2CA3TC577326_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": 52643.0, "selling_price": 47707.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 500.48, "net_cap_cost": 45383.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 500.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3659.48}, "total_of_payments": 18000, "total_of_payments_unrounded": 18017.28}, "disclosure": "Estimated lease payment for stock #W4552, VIN 1V2BN2CA3TC577326. $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 $52,643. Lease selling price $47,707. Net capitalized cost $45,383. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": "1V2BN2CA8TC575653", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 47651.0, "msrp": 52581.0, "sale_price": 47651.0, "currency": "USD", "mileage": 8, "exterior_color": "Pure Gray", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4539", "stock_status": "Available", "availability": "In Stock", 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca8tc575653/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA8TC575653.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA8TC575653.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA8TC575653.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca8tc575653/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,930. This offer applies to Stock #W4539, VIN 1V2BN2CA8TC575653. 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: $52,581. Advertised price: $47,651. Savings: $4,930, 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": "$52,581"}, {"label": "Advertised price", "value": "$47,651"}, {"label": "Savings", "value": "$4,930, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,930", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47651.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA8TC575653_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 967, "unit": "per_month", "display": "$967/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47651.0, "price_incl_doc": 47651.0, "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": 966.84, "amount_financed": 50629.19, "sales_tax": 2978.19, "total_of_payments": 58010.56, "finance_charge": 7381.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4539, VIN 1V2BN2CA8TC575653. $967 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,651, before any dealer documentation fee. Amount financed $50,629, including $2,978 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,011. 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_1V2BN2CA8TC575653_finance_72", "type": "finance_72", "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": 47651.0, "price_incl_doc": 47651.0, "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": 838.83, "amount_financed": 50629.19, "sales_tax": 2978.19, "total_of_payments": 60395.97, "finance_charge": 9766.78, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4539, VIN 1V2BN2CA8TC575653. $839 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,651, before any dealer documentation fee. Amount financed $50,629, including $2,978 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,396. 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_1V2BN2CA8TC575653_finance_84", "type": "finance_84", "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": 47651.0, "price_incl_doc": 47651.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 751.57, "amount_financed": 50629.19, "sales_tax": 2978.19, "total_of_payments": 63131.87, "finance_charge": 12502.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4539, VIN 1V2BN2CA8TC575653. $752 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,651, before any dealer documentation fee. Amount financed $50,629, including $2,978 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,132. 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_1V2BN2CA8TC575653_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": 52581.0, "selling_price": 47651.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 593.11, "net_cap_cost": 48326.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 593.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 753.11}, "total_of_payments": 21348, "total_of_payments_unrounded": 21351.96}, "disclosure": "Estimated lease payment for stock #W4539, VIN 1V2BN2CA8TC575653. $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 $52,581. Lease selling price $47,651. Net capitalized cost $48,326. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA8TC575653_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": 52581.0, "selling_price": 47651.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 499.81, "net_cap_cost": 45327.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 499.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3658.81}, "total_of_payments": 18000, "total_of_payments_unrounded": 17993.16}, "disclosure": "Estimated lease payment for stock #W4539, VIN 1V2BN2CA8TC575653. $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 $52,581. Lease selling price $47,651. Net capitalized cost $45,327. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 399}}, {"vin": "3VVUW7RM9TM142753", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 46653.0, "msrp": 46653.0, "sale_price": 46653.0, "currency": "USD", "mileage": null, "exterior_color": "Avocado Green  W/Black Roof", "interior_color": null, "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.0L  268 HP  4 cylinder", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic 4MOTION", "mpg_city": 22, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "TM142753", "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/2000157/2065512/0x0/7793f978072a455dac7b6459fdb339b3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/7793f978072a455dac7b6459fdb339b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d1f000e0db9b468aa1aba90493712134.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/029252fd106840f285e44a4b76f321cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/486efbf09f994fb0b961cb8607ace6e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53fff7262348404a8c4e47a9b30663c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27f03867ce404c999136651570d5d5a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6e83b26887b94c2d882bd3f134a158b2.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SEL R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46653.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm9tm142753/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm9tm142753/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM9TM142753.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM9TM142753.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM9TM142753.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm9tm142753/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #TM142753, VIN 3VVUW7RM9TM142753. Advertised price: $46,653. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$46,653"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46653.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM9TM142753_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 947, "unit": "per_month", "display": "$947/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46653.0, "price_incl_doc": 46653.0, "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": 946.59, "amount_financed": 49568.81, "sales_tax": 2915.81, "total_of_payments": 56795.59, "finance_charge": 7226.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM142753, VIN 3VVUW7RM9TM142753. $947 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,653, before any dealer documentation fee. Amount financed $49,569, including $2,916 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,796. 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_3VVUW7RM9TM142753_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 821, "unit": "per_month", "display": "$821/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46653.0, "price_incl_doc": 46653.0, "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": 821.26, "amount_financed": 49568.81, "sales_tax": 2915.81, "total_of_payments": 59131.03, "finance_charge": 9562.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM142753, VIN 3VVUW7RM9TM142753. $821 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,653, before any dealer documentation fee. Amount financed $49,569, including $2,916 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,131. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM9TM142753_finance_84", "type": "finance_84", "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": 46653.0, "price_incl_doc": 46653.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 735.83, "amount_financed": 49568.81, "sales_tax": 2915.81, "total_of_payments": 61809.63, "finance_charge": 12240.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM142753, VIN 3VVUW7RM9TM142753. $736 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,653, before any dealer documentation fee. Amount financed $49,569, including $2,916 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,810. 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_3VVUW7RM9TM142753_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46653.0, "selling_price": 46653.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 664.68, "net_cap_cost": 47328.0, "residual_value": 28924.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 664.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 824.68}, "total_of_payments": 23940, "total_of_payments_unrounded": 23928.48}, "disclosure": "Estimated lease payment for stock #TM142753, VIN 3VVUW7RM9TM142753. $665 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $825, made up of $665 first payment, $60 title, $100 registration. MSRP $46,653. Lease selling price $46,653. Net capitalized cost $47,328. Residual value $28,925, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,940. 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_3VVUW7RM9TM142753_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": 46653.0, "selling_price": 46653.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 571.38, "net_cap_cost": 44329.0, "residual_value": 28924.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 571.38, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3730.38}, "total_of_payments": 20556, "total_of_payments_unrounded": 20569.68}, "disclosure": "Estimated lease payment for stock #TM142753, VIN 3VVUW7RM9TM142753. $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 $46,653. Lease selling price $46,653. Net capitalized cost $44,329. Residual value $28,925, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,556. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 404}}, {"vin": "5NMP3DG19SH041211", "title": "2025 Hyundai Santa Fe Hybrid Limited", "year": 2025, "make": "Hyundai", "model": "Santa Fe Hybrid", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 37195.0, "msrp": 37195.0, "sale_price": 37775.0, "currency": "USD", "mileage": 11220, "exterior_color": "Hampton Gray", "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": null, "transmission": "6-Speed Automatic w/OD", "mpg_city": 35, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "HD260166A", "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/5/2025HYS07_640/2025HYS072071652_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025HYS07_640/2025HYS072071652_640_01.jpg"], "vin_decode": {"make": "Hyundai", "model": "Santa Fe", "year": 2025, "trim": "Limited", "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": 37195.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/5NMP3DG19SH041211.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp3dg19sh041211/2025-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp3dg19sh041211/2025-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMP3DG19SH041211.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMP3DG19SH041211.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMP3DG19SH041211.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp3dg19sh041211/2025-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260166A, VIN 5NMP3DG19SH041211. Advertised price: $37,195. 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": "$37,195"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37195.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 928, "unit": "per_month", "display": "$928/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37195.0, "price_incl_doc": 37195.0, "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": 927.94, "amount_financed": 39519.69, "sales_tax": 2324.69, "total_of_payments": 44541.11, "finance_charge": 5021.42, "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. $928 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,195, before any dealer documentation fee. Amount financed $39,520, including $2,325 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,541. 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_5NMP3DG19SH041211_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": 37195.0, "price_incl_doc": 37195.0, "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": 773.06, "amount_financed": 39519.69, "sales_tax": 2324.69, "total_of_payments": 46383.78, "finance_charge": 6864.09, "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. $773 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,195, before any dealer documentation fee. Amount financed $39,520, including $2,325 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,384. 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_5NMP3DG19SH041211_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": 37195.0, "price_incl_doc": 37195.0, "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": 673.58, "amount_financed": 39519.69, "sales_tax": 2324.69, "total_of_payments": 48497.88, "finance_charge": 8978.19, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260166A, VIN 5NMP3DG19SH041211. $674 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,195, before any dealer documentation fee. Amount financed $39,520, including $2,325 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,498. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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"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 $3,810. This offer applies to Stock #VD262182, VIN 3VVGR7RM0TM097125. 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: $41,276. Advertised price: $37,466. Savings: $3,810, 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": "$41,276"}, {"label": "Advertised price", "value": "$37,466"}, {"label": "Savings", "value": "$3,810, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,810", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37466.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM0TM097125_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": 37466.0, "price_incl_doc": 37466.0, "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": 760.19, "amount_financed": 39807.63, "sales_tax": 2341.63, "total_of_payments": 45611.3, "finance_charge": 5803.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262182, VIN 3VVGR7RM0TM097125. $760 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,466, before any dealer documentation fee. Amount financed $39,808, including $2,342 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,611. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM0TM097125_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": 37466.0, "price_incl_doc": 37466.0, "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": 659.54, "amount_financed": 39807.63, "sales_tax": 2341.63, "total_of_payments": 47486.84, "finance_charge": 7679.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262182, VIN 3VVGR7RM0TM097125. $660 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,466, before any dealer documentation fee. Amount financed $39,808, including $2,342 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,487. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM0TM097125_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": 37466.0, "price_incl_doc": 37466.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.93, "amount_financed": 39807.63, "sales_tax": 2341.63, "total_of_payments": 49637.97, "finance_charge": 9830.34, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262182, VIN 3VVGR7RM0TM097125. $591 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,466, before any dealer documentation fee. Amount financed $39,808, including $2,342 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,638. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM0TM097125_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 41276.0, "selling_price": 37466.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 471.97, "net_cap_cost": 38141.0, "residual_value": 25591.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 471.97, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 631.97}, "total_of_payments": 16992, "total_of_payments_unrounded": 16990.92}, "disclosure": "Estimated lease payment for stock #VD262182, VIN 3VVGR7RM0TM097125. $472 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $632, made up of $472 first payment, $60 title, $100 registration. MSRP $41,276. Lease selling price $37,466. Net capitalized cost $38,141. Residual value $25,591, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVGR7RM0TM097125_lease", "type": "lease", "label": "Lease", "headline": {"value": 379, "unit": "per_month", "display": "$379/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41276.0, "selling_price": 37466.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 378.68, "net_cap_cost": 35142.0, "residual_value": 25591.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 378.68, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3537.68}, "total_of_payments": 13644, "total_of_payments_unrounded": 13632.48}, "disclosure": "Estimated lease payment for stock #VD262182, VIN 3VVGR7RM0TM097125. $379 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,538, made up of $379 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,276. Lease selling price $37,466. Net capitalized cost $35,142. Residual value $25,591, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,644. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 396}}, {"vin": "WVW3E7CDXTW243886", "title": "2026 Volkswagen Golf GTI SE", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 40088.0, "msrp": 42740.0, "sale_price": 40088.0, "currency": "USD", "mileage": 6, "exterior_color": "Kings Red Metallic", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "W4625", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlevwdownersgrove.com/v/WVW3E7CDXTW243886.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvw3e7cdxtw243886/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 $2,652. This offer applies to Stock #W4625, VIN WVW3E7CDXTW243886. 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: $42,740. Advertised price: $40,088. Savings: $2,652, 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": "$42,740"}, {"label": "Advertised price", "value": "$40,088"}, {"label": "Savings", "value": "$2,652, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,652", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40088.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVW3E7CDXTW243886_finance_60", "type": "finance_60", "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": 40088.0, "price_incl_doc": 40088.0, "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": 813.39, "amount_financed": 42593.5, "sales_tax": 2505.5, "total_of_payments": 48803.33, "finance_charge": 6209.83, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4625, VIN WVW3E7CDXTW243886. $813 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,088, before any dealer documentation fee. Amount financed $42,594, including $2,506 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,803. 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_WVW3E7CDXTW243886_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": 40088.0, "price_incl_doc": 40088.0, "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": 705.7, "amount_financed": 42593.5, "sales_tax": 2505.5, "total_of_payments": 50810.13, "finance_charge": 8216.63, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4625, VIN WVW3E7CDXTW243886. $706 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,088, before any dealer documentation fee. Amount financed $42,594, including $2,506 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,810. 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_WVW3E7CDXTW243886_finance_84", "type": "finance_84", "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": 40088.0, "price_incl_doc": 40088.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.28, "amount_financed": 42593.5, "sales_tax": 2505.5, "total_of_payments": 53111.8, "finance_charge": 10518.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4625, VIN WVW3E7CDXTW243886. $632 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,088, before any dealer documentation fee. Amount financed $42,594, including $2,506 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,112. 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_WVW3E7CDXTW243886_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": 42740.0, "selling_price": 40088.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.19, "net_cap_cost": 40763.0, "residual_value": 26498.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.19, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.19}, "total_of_payments": 19008, "total_of_payments_unrounded": 19014.84}, "disclosure": "Estimated lease payment for stock #W4625, VIN WVW3E7CDXTW243886. $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 $42,740. Lease selling price $40,088. Net capitalized cost $40,763. Residual value $26,499, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVW3E7CDXTW243886_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": 42740.0, "selling_price": 40088.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.9, "net_cap_cost": 37764.0, "residual_value": 26498.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.9}, "total_of_payments": 15660, "total_of_payments_unrounded": 15656.4}, "disclosure": "Estimated lease payment for stock #W4625, VIN WVW3E7CDXTW243886. $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 $42,740. Lease selling price $40,088. Net capitalized cost $37,764. Residual value $26,499, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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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 #W4708, VIN 1V2LN2CA0TC591091. Advertised price: $44,375. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$44,375"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44375.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CA0TC591091_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 900, "unit": "per_month", "display": "$900/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44375.0, "price_incl_doc": 44375.0, "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": 900.37, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 54022.34, "finance_charge": 6873.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4708, VIN 1V2LN2CA0TC591091. $900 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,022. 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_1V2LN2CA0TC591091_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44375.0, "price_incl_doc": 44375.0, "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": 781.16, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 56243.76, "finance_charge": 9095.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4708, VIN 1V2LN2CA0TC591091. $781 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,244. 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_1V2LN2CA0TC591091_finance_84", "type": "finance_84", "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": 44375.0, "price_incl_doc": 44375.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.9, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 58791.56, "finance_charge": 11643.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4708, VIN 1V2LN2CA0TC591091. $700 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,792. 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"}, {"offer_id": "of_1V2LN2CA0TC591091_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44375.0, "selling_price": 44375.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 633.25, "net_cap_cost": 45050.0, "residual_value": 27512.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 633.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 793.25}, "total_of_payments": 22788, "total_of_payments_unrounded": 22797.0}, "disclosure": "Estimated lease payment for stock #W4708, VIN 1V2LN2CA0TC591091. $633 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $793, made up of $633 first payment, $60 title, $100 registration. MSRP $44,375. Lease selling price $44,375. Net capitalized cost $45,050. Residual value $27,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA0TC591091_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": 44375.0, "selling_price": 44375.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 539.95, "net_cap_cost": 42051.0, "residual_value": 27512.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 539.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3698.95}, "total_of_payments": 19440, "total_of_payments_unrounded": 19438.2}, "disclosure": "Estimated lease payment for stock #W4708, VIN 1V2LN2CA0TC591091. $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 $44,375. Lease selling price $44,375. Net capitalized cost $42,051. Residual value $27,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 353}}, {"vin": "3VV4C7B20TM060010", "title": "2026 Volkswagen Taos SEL", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 35979.0, "msrp": 38381.0, "sale_price": 35979.0, "currency": "USD", "mileage": 9, "exterior_color": "Platinum Gray Metallic", "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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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 $2,402. This offer applies to Stock #W4454, VIN 3VV4C7B20TM060010. 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: $38,381. Advertised price: $35,979. Savings: $2,402, 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": "$38,381"}, {"label": "Advertised price", "value": "$35,979"}, {"label": "Savings", "value": "$2,402, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,402", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35979.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B20TM060010_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35979.0, "price_incl_doc": 35979.0, "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": 730.02, "amount_financed": 38227.69, "sales_tax": 2248.69, "total_of_payments": 43801.01, "finance_charge": 5573.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4454, VIN 3VV4C7B20TM060010. $730 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,979, before any dealer documentation fee. Amount financed $38,228, including $2,249 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,801. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B20TM060010_finance_72", "type": "finance_72", "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": 35979.0, "price_incl_doc": 35979.0, "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": 633.36, "amount_financed": 38227.69, "sales_tax": 2248.69, "total_of_payments": 45602.12, "finance_charge": 7374.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4454, VIN 3VV4C7B20TM060010. $633 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,979, before any dealer documentation fee. Amount financed $38,228, including $2,249 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,602. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B20TM060010_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": 35979.0, "price_incl_doc": 35979.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.47, "amount_financed": 38227.69, "sales_tax": 2248.69, "total_of_payments": 47667.87, "finance_charge": 9440.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4454, VIN 3VV4C7B20TM060010. $567 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,979, before any dealer documentation fee. Amount financed $38,228, including $2,249 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,668. 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_3VV4C7B20TM060010_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 35979.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 475.83, "net_cap_cost": 36654.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 475.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 635.83}, "total_of_payments": 17136, "total_of_payments_unrounded": 17129.88}, "disclosure": "Estimated lease payment for stock #W4454, VIN 3VV4C7B20TM060010. $476 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $636, made up of $476 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $35,979. Net capitalized cost $36,654. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $17,136. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B20TM060010_lease", "type": "lease", "label": "Lease", "headline": {"value": 383, "unit": "per_month", "display": "$383/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 35979.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 382.53, "net_cap_cost": 33655.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 382.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3541.53}, "total_of_payments": 13788, "total_of_payments_unrounded": 13771.08}, "disclosure": "Estimated lease payment for stock #W4454, VIN 3VV4C7B20TM060010. $383 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,542, made up of $383 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $35,979. Net capitalized cost $33,655. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 371}}, {"vin": "1V2BN2CA6TC588689", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 52643.0, "msrp": 52643.0, "sale_price": 47707.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4683", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/514d41b6cd5544df856b4e04c31a8cc7.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/514d41b6cd5544df856b4e04c31a8cc7.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/14949d14bcaf494faa8d7eb20915945a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/ad6ca295cd2e440f92b58a11341cfeb3.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/bb0c008d23324f66958f976175637693.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/bb3a6a411f0344ada8dbf99ee97a7e46.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/00a4aedbefd3433daf1bb10dbb699991.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/df462056ff0a4d15b56a0cb98dddec7f.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 52643.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca6tc588689/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca6tc588689/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA6TC588689.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA6TC588689.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA6TC588689.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca6tc588689/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4683, VIN 1V2BN2CA6TC588689. Advertised price: $52,643. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$52,643"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52643.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA6TC588689_finance_60", "type": "finance_60", "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": 52643.0, "price_incl_doc": 52643.0, "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": 1068.13, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 64087.85, "finance_charge": 8154.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4683, VIN 1V2BN2CA6TC588689. $1,068 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,088. 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_1V2BN2CA6TC588689_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 927, "unit": "per_month", "display": "$927/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52643.0, "price_incl_doc": 52643.0, "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": 926.71, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 66723.15, "finance_charge": 10789.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4683, VIN 1V2BN2CA6TC588689. $927 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,723. 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_1V2BN2CA6TC588689_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": 52643.0, "price_incl_doc": 52643.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 830.31, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 69745.67, "finance_charge": 13812.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4683, VIN 1V2BN2CA6TC588689. $830 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA6TC588689_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": 52643.0, "selling_price": 52643.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 747.32, "net_cap_cost": 53318.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 747.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 907.32}, "total_of_payments": 26892, "total_of_payments_unrounded": 26903.52}, "disclosure": "Estimated lease payment for stock #W4683, VIN 1V2BN2CA6TC588689. $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 $52,643. Lease selling price $52,643. Net capitalized cost $53,318. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA6TC588689_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52643.0, "selling_price": 52643.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 654.03, "net_cap_cost": 50319.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 654.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3813.03}, "total_of_payments": 23544, "total_of_payments_unrounded": 23545.08}, "disclosure": "Estimated lease payment for stock #W4683, VIN 1V2BN2CA6TC588689. $654 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,813, made up of $654 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,643. Lease selling price $52,643. Net capitalized cost $50,319. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,544. 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": 384}}, {"vin": "3VV2X7B24PM340868", "title": "2023 Volkswagen Taos SEL", "year": 2023, "make": "Volkswagen", "model": "Taos", "trim": "SEL", "decoded_trim": "4Motion SEL", "condition": "used", "price": 23997.0, "msrp": 23997.0, "sale_price": 24303.0, "currency": "USD", "mileage": 38901, "exterior_color": "Deep Black Pearl", "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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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 #PDV0998, VIN 3VV2X7B24PM340868. Advertised price: $23,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$23,997"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2X7B24PM340868_finance_48", "type": "finance_48", "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": 23997.0, "price_incl_doc": 23997.0, "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": 598.68, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 28736.47, "finance_charge": 3239.66, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0998, VIN 3VV2X7B24PM340868. $599 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,736. 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_3VV2X7B24PM340868_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23997.0, "price_incl_doc": 23997.0, "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": 498.75, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 29925.3, "finance_charge": 4428.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0998, VIN 3VV2X7B24PM340868. $499 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,925. 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_3VV2X7B24PM340868_finance_72", "type": "finance_72", "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": 23997.0, "price_incl_doc": 23997.0, "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": 434.57, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 31289.25, "finance_charge": 5792.44, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0998, VIN 3VV2X7B24PM340868. $435 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,289. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 271}}, {"vin": "3VVUW7RM9TM108277", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 45066.0, "msrp": 46258.0, "sale_price": 45066.0, "currency": "USD", "mileage": 7, "exterior_color": "Monterey Blue Pearl", "interior_color": "Mistral", "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": 29, "range_miles": null, "battery_kwh": null, "stock_number": "W4553", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm9tm108277/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM9TM108277.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM9TM108277.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM9TM108277.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm9tm108277/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $1,192. This offer applies to Stock #W4553, VIN 3VVUW7RM9TM108277. 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: $46,258. Advertised price: $45,066. Savings: $1,192, 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": "$46,258"}, {"label": "Advertised price", "value": "$45,066"}, {"label": "Savings", "value": "$1,192, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,192", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45066.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM9TM108277_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 914, "unit": "per_month", "display": "$914/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45066.0, "price_incl_doc": 45066.0, "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": 914.39, "amount_financed": 47882.63, "sales_tax": 2816.63, "total_of_payments": 54863.57, "finance_charge": 6980.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4553, VIN 3VVUW7RM9TM108277. $914 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,066, before any dealer documentation fee. Amount financed $47,883, including $2,817 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,864. 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_3VVUW7RM9TM108277_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45066.0, "price_incl_doc": 45066.0, "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": 793.33, "amount_financed": 47882.63, "sales_tax": 2816.63, "total_of_payments": 57119.58, "finance_charge": 9236.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4553, VIN 3VVUW7RM9TM108277. $793 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,066, before any dealer documentation fee. Amount financed $47,883, including $2,817 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,120. 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_3VVUW7RM9TM108277_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": 45066.0, "price_incl_doc": 45066.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.8, "amount_financed": 47882.63, "sales_tax": 2816.63, "total_of_payments": 59707.06, "finance_charge": 11824.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4553, VIN 3VVUW7RM9TM108277. $711 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,066, before any dealer documentation fee. Amount financed $47,883, including $2,817 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,707. 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_3VVUW7RM9TM108277_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46258.0, "selling_price": 45066.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 622.15, "net_cap_cost": 45741.0, "residual_value": 28679.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 622.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 782.15}, "total_of_payments": 22392, "total_of_payments_unrounded": 22397.4}, "disclosure": "Estimated lease payment for stock #W4553, VIN 3VVUW7RM9TM108277. $622 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $782, made up of $622 first payment, $60 title, $100 registration. MSRP $46,258. Lease selling price $45,066. Net capitalized cost $45,741. Residual value $28,680, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,392. 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"}, {"offer_id": "of_3VVUW7RM9TM108277_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": 46258.0, "selling_price": 45066.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.85, "net_cap_cost": 42742.0, "residual_value": 28679.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3687.85}, "total_of_payments": 19044, "total_of_payments_unrounded": 19038.6}, "disclosure": "Estimated lease payment for stock #W4553, VIN 3VVUW7RM9TM108277. $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 $46,258. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40970.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JTHC5LFF7J5003251_finance_48", "type": "finance_48", "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": 40970.0, "price_incl_doc": 40970.0, "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": 1022.12, "amount_financed": 43530.63, "sales_tax": 2560.63, "total_of_payments": 49061.69, "finance_charge": 5531.06, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1062, VIN JTHC5LFF7J5003251. $1,022 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $40,970, before any dealer documentation fee. Amount financed $43,531, including $2,561 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $49,062. 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_JTHC5LFF7J5003251_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 852, "unit": "per_month", "display": "$852/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40970.0, "price_incl_doc": 40970.0, "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": 851.52, "amount_financed": 43530.63, "sales_tax": 2560.63, "total_of_payments": 51091.37, "finance_charge": 7560.74, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1062, VIN JTHC5LFF7J5003251. $852 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,970, before any dealer documentation fee. Amount financed $43,531, including $2,561 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $51,091. 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": 40970.0, "price_incl_doc": 40970.0, "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": 741.94, "amount_financed": 43530.63, "sales_tax": 2560.63, "total_of_payments": 53420.04, "finance_charge": 9889.41, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1062, VIN JTHC5LFF7J5003251. $742 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,970, before any dealer documentation fee. Amount financed $43,531, including $2,561 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $53,420. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48993.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca1tc588447/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca1tc588447/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA1TC588447.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA1TC588447.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA1TC588447.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca1tc588447/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4681, VIN 1V2HN2CA1TC588447. Advertised price: $48,993. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$48,993"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48993.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA1TC588447_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 994, "unit": "per_month", "display": "$994/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48993.0, "price_incl_doc": 48993.0, "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": 994.07, "amount_financed": 52055.06, "sales_tax": 3062.06, "total_of_payments": 59644.31, "finance_charge": 7589.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4681, VIN 1V2HN2CA1TC588447. $994 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,993, before any dealer documentation fee. Amount financed $52,055, including $3,062 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,644. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC588447_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 862, "unit": "per_month", "display": "$862/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48993.0, "price_incl_doc": 48993.0, "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": 862.46, "amount_financed": 52055.06, "sales_tax": 3062.06, "total_of_payments": 62096.9, "finance_charge": 10041.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4681, VIN 1V2HN2CA1TC588447. $862 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,993, before any dealer documentation fee. Amount financed $52,055, including $3,062 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $62,097. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC588447_finance_84", "type": "finance_84", "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": 48993.0, "price_incl_doc": 48993.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 772.74, "amount_financed": 52055.06, "sales_tax": 3062.06, "total_of_payments": 64909.85, "finance_charge": 12854.79, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4681, VIN 1V2HN2CA1TC588447. $773 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,993, before any dealer documentation fee. Amount financed $52,055, including $3,062 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,910. 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_1V2HN2CA1TC588447_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48993.0, "selling_price": 48993.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 696.96, "net_cap_cost": 49668.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 696.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 856.96}, "total_of_payments": 25092, "total_of_payments_unrounded": 25090.56}, "disclosure": "Estimated lease payment for stock #W4681, VIN 1V2HN2CA1TC588447. $697 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $857, made up of $697 first payment, $60 title, $100 registration. MSRP $48,993. Lease selling price $48,993. Net capitalized cost $49,668. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,092. 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"}, {"offer_id": "of_1V2HN2CA1TC588447_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48993.0, "selling_price": 48993.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 603.67, "net_cap_cost": 46669.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 603.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3762.67}, "total_of_payments": 21744, "total_of_payments_unrounded": 21732.12}, "disclosure": "Estimated lease payment for stock #W4681, VIN 1V2HN2CA1TC588447. $604 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,763, made up of $604 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,993. Lease selling price $48,993. Net capitalized cost $46,669. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,744. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 390}}, {"vin": "3VVMR7RM5TM141557", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35241.0, "msrp": 38786.0, "sale_price": 35241.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "W4730", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/248aac5a4b1242c38172224ed3cd39b5.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/248aac5a4b1242c38172224ed3cd39b5.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/5d9296efc928474da653bba697aabb9f.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/41a0b458741c4bf5a9adc903c29508ac.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/d5fc733518a34d16ae51173bd09631e8.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/f825c42c2bc04b73aeca2346673fbf37.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/4104ff73df164623ac9f96a4444abb5e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/6ff06e7cde60455db49c3a96c4cceb6e.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm141557/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm141557/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM5TM141557.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM141557.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM141557.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm141557/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,545. This offer applies to Stock #W4730, VIN 3VVMR7RM5TM141557. 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: $38,786. Advertised price: $35,241. Savings: $3,545, 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": "$38,786"}, {"label": "Advertised price", "value": "$35,241"}, {"label": "Savings", "value": "$3,545, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,545", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35241.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM141557_finance_60", "type": "finance_60", "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": 35241.0, "price_incl_doc": 35241.0, "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": 715.04, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 42902.56, "finance_charge": 5459.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4730, VIN 3VVMR7RM5TM141557. $715 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,903. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM141557_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": 35241.0, "price_incl_doc": 35241.0, "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": 620.37, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 44666.73, "finance_charge": 7223.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4730, VIN 3VVMR7RM5TM141557. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,667. 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_3VVMR7RM5TM141557_finance_84", "type": "finance_84", "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": 35241.0, "price_incl_doc": 35241.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.83, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 46690.1, "finance_charge": 9246.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4730, VIN 3VVMR7RM5TM141557. $556 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,690. 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_3VVMR7RM5TM141557_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 35241.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.86, "net_cap_cost": 35916.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.86}, "total_of_payments": 16056, "total_of_payments_unrounded": 16050.96}, "disclosure": "Estimated lease payment for stock #W4730, VIN 3VVMR7RM5TM141557. $446 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $606, made up of $446 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $35,241. Net capitalized cost $35,916. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,056. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM141557_lease", "type": "lease", "label": "Lease", "headline": {"value": 353, "unit": "per_month", "display": "$353/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 35241.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.57, "net_cap_cost": 32917.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.57}, "total_of_payments": 12708, "total_of_payments_unrounded": 12692.52}, "disclosure": "Estimated lease payment for stock #W4730, VIN 3VVMR7RM5TM141557. $353 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,512, made up of $353 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $35,241. Net capitalized cost $32,917. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,708. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 405}}, {"vin": "3VW2M7BU2TM037376", "title": "2026 Volkswagen Jetta GLI Autobahn", "year": 2026, "make": "Volkswagen", "model": "Jetta GLI", "trim": "Autobahn", "decoded_trim": "Autobahn", "condition": "new", "price": 33362.0, "msrp": 35946.0, "sale_price": 33362.0, "currency": "USD", "mileage": 30, "exterior_color": "Pure 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 26, "mpg_hwy": 35, "range_miles": null, "battery_kwh": null, "stock_number": "W4189X", "stock_status": "Available", "availability": "In Stock", 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Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw2m7bu2tm037376/2026-volkswagen-jetta-gli-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW2M7BU2TM037376.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW2M7BU2TM037376.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW2M7BU2TM037376.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw2m7bu2tm037376/2026-volkswagen-jetta-gli-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,584. This offer applies to Stock #W4189X, VIN 3VW2M7BU2TM037376. 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: $35,946. Advertised price: $33,362. Savings: $2,584, 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": "$35,946"}, {"label": "Advertised price", "value": "$33,362"}, {"label": "Savings", "value": "$2,584, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,584", "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33362.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW2M7BU2TM037376_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": 33362.0, "price_incl_doc": 33362.0, "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": 676.92, "amount_financed": 35447.13, "sales_tax": 2085.13, "total_of_payments": 40615.07, "finance_charge": 5167.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4189X, VIN 3VW2M7BU2TM037376. $677 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,362, before any dealer documentation fee. Amount financed $35,447, including $2,085 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,615. 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_3VW2M7BU2TM037376_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": 33362.0, "price_incl_doc": 33362.0, "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": 587.29, "amount_financed": 35447.13, "sales_tax": 2085.13, "total_of_payments": 42285.17, "finance_charge": 6838.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4189X, VIN 3VW2M7BU2TM037376. $587 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,362, before any dealer documentation fee. Amount financed $35,447, including $2,085 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,285. 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_3VW2M7BU2TM037376_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": 33362.0, "price_incl_doc": 33362.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 526.2, "amount_financed": 35447.13, "sales_tax": 2085.13, "total_of_payments": 44200.66, "finance_charge": 8753.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4189X, VIN 3VW2M7BU2TM037376. $526 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,362, before any dealer documentation fee. Amount financed $35,447, including $2,085 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW2M7BU2TM037376_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": 35946.0, "selling_price": 33362.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.57, "net_cap_cost": 34037.0, "residual_value": 22286.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 596.57}, "total_of_payments": 15732, "total_of_payments_unrounded": 15716.52}, "disclosure": "Estimated lease payment for stock #W4189X, VIN 3VW2M7BU2TM037376. $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 $35,946. Lease selling price $33,362. Net capitalized cost $34,037. Residual value $22,287, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VW2M7BU2TM037376_lease", "type": "lease", "label": "Lease", "headline": {"value": 343, "unit": "per_month", "display": "$343/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35946.0, "selling_price": 33362.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 343.28, "net_cap_cost": 31038.0, "residual_value": 22286.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 343.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3502.28}, "total_of_payments": 12348, "total_of_payments_unrounded": 12358.08}, "disclosure": "Estimated lease payment for stock #W4189X, VIN 3VW2M7BU2TM037376. $343 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,502, made up of $343 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,946. Lease selling price $33,362. Net capitalized cost $31,038. Residual value $22,287, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,348. 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"}], "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": 452}}, {"vin": "1V2KN2CA8TC573546", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45991.0, "msrp": 51143.0, "sale_price": 45991.0, "currency": "USD", "mileage": 11, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4526", "stock_status": "Available", 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"https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA8TC573546.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA8TC573546.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA8TC573546.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca8tc573546/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,152. This offer applies to Stock #W4526, VIN 1V2KN2CA8TC573546. 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: $51,143. Advertised price: $45,991. Savings: $5,152, 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": "$51,143"}, {"label": "Advertised price", "value": "$45,991"}, {"label": "Savings", "value": "$5,152, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,152", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45991.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA8TC573546_finance_60", "type": "finance_60", "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": 45991.0, "price_incl_doc": 45991.0, "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": 933.16, "amount_financed": 48865.44, "sales_tax": 2874.44, "total_of_payments": 55989.67, "finance_charge": 7124.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4526, VIN 1V2KN2CA8TC573546. $933 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,991, before any dealer documentation fee. Amount financed $48,865, including $2,874 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,990. 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_1V2KN2CA8TC573546_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45991.0, "price_incl_doc": 45991.0, "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": 809.61, "amount_financed": 48865.44, "sales_tax": 2874.44, "total_of_payments": 58291.98, "finance_charge": 9426.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4526, VIN 1V2KN2CA8TC573546. $810 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,991, before any dealer documentation fee. Amount financed $48,865, including $2,874 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,292. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA8TC573546_finance_84", "type": "finance_84", "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": 45991.0, "price_incl_doc": 45991.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 725.39, "amount_financed": 48865.44, "sales_tax": 2874.44, "total_of_payments": 60932.57, "finance_charge": 12067.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4526, VIN 1V2KN2CA8TC573546. $725 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,991, before any dealer documentation fee. Amount financed $48,865, including $2,874 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,933. 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_1V2KN2CA8TC573546_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": 51143.0, "selling_price": 45991.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 566.36, "net_cap_cost": 46666.0, "residual_value": 31708.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 566.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 726.36}, "total_of_payments": 20376, "total_of_payments_unrounded": 20388.96}, "disclosure": "Estimated lease payment for stock #W4526, VIN 1V2KN2CA8TC573546. $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 $51,143. Lease selling price $45,991. Net capitalized cost $46,666. Residual value $31,709, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA8TC573546_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": 51143.0, "selling_price": 45991.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 473.07, "net_cap_cost": 43667.0, "residual_value": 31708.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 473.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3632.07}, "total_of_payments": 17028, "total_of_payments_unrounded": 17030.52}, "disclosure": "Estimated lease payment for stock #W4526, VIN 1V2KN2CA8TC573546. $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 $51,143. Lease selling price $45,991. Net capitalized cost $43,667. Residual value $31,709, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 442}}, {"vin": "1V2FN2CA8TC577114", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 52713.0, "msrp": 57893.0, "sale_price": 52713.0, "currency": "USD", "mileage": 8, "exterior_color": "Avocado Green Pearl", "interior_color": "Titan Black w/Silver Underlay", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": 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of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca8tc577114/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA8TC577114.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA8TC577114.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA8TC577114.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca8tc577114/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,180. This offer applies to Stock #W4550, VIN 1V2FN2CA8TC577114. 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: $57,893. Advertised price: $52,713. Savings: $5,180, 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": "$57,893"}, {"label": "Advertised price", "value": "$52,713"}, {"label": "Savings", "value": "$5,180, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,180", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52713.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA8TC577114_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1070, "unit": "per_month", "display": "$1,070/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52713.0, "price_incl_doc": 52713.0, "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": 1069.55, "amount_financed": 56007.56, "sales_tax": 3294.56, "total_of_payments": 64173.06, "finance_charge": 8165.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4550, VIN 1V2FN2CA8TC577114. $1,070 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,713, before any dealer documentation fee. Amount financed $56,008, including $3,295 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,173. 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_1V2FN2CA8TC577114_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 928, "unit": "per_month", "display": "$928/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52713.0, "price_incl_doc": 52713.0, "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": 927.94, "amount_financed": 56007.56, "sales_tax": 3294.56, "total_of_payments": 66811.87, "finance_charge": 10804.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4550, VIN 1V2FN2CA8TC577114. $928 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,713, before any dealer documentation fee. Amount financed $56,008, including $3,295 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,812. 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_1V2FN2CA8TC577114_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 831, "unit": "per_month", "display": "$831/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52713.0, "price_incl_doc": 52713.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 831.41, "amount_financed": 56007.56, "sales_tax": 3294.56, "total_of_payments": 69838.4, "finance_charge": 13830.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4550, VIN 1V2FN2CA8TC577114. $831 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,713, before any dealer documentation fee. Amount financed $56,008, including $3,295 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,838. 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_1V2FN2CA8TC577114_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": 57893.0, "selling_price": 52713.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 658.62, "net_cap_cost": 53388.0, "residual_value": 35893.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 658.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 818.62}, "total_of_payments": 23724, "total_of_payments_unrounded": 23710.32}, "disclosure": "Estimated lease payment for stock #W4550, VIN 1V2FN2CA8TC577114. $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 $57,893. Lease selling price $52,713. Net capitalized cost $53,388. Residual value $35,894, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA8TC577114_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": 57893.0, "selling_price": 52713.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 565.33, "net_cap_cost": 50389.0, "residual_value": 35893.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3724.33}, "total_of_payments": 20340, "total_of_payments_unrounded": 20351.88}, "disclosure": "Estimated lease payment for stock #W4550, VIN 1V2FN2CA8TC577114. $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 $57,893. Lease selling price $52,713. Net capitalized cost $50,389. Residual value $35,894, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 437}}, {"vin": "1G1YB3D46R5128893", "title": "2024 Chevrolet Corvette 2LT", "year": 2024, "make": "Chevrolet", "model": "Corvette", "trim": "2LT", "decoded_trim": "Preferred  2LT", "condition": "used", "price": 73998.0, "msrp": 73998.0, "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": "$73,998"}], "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": "2026-07-26T16:50:25Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 73998.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1846, "unit": "per_month", "display": "$1,846/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": 73998.0, "price_incl_doc": 73998.0, "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": 1846.1, "amount_financed": 78622.88, "sales_tax": 4624.88, "total_of_payments": 88612.81, "finance_charge": 9989.93, "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. $1,846 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $73,998, before any dealer documentation fee. Amount financed $78,623, including $4,625 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $88,613. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 1538, "unit": "per_month", "display": "$1,538/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": 73998.0, "price_incl_doc": 73998.0, "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": 1537.98, "amount_financed": 78622.88, "sales_tax": 4624.88, "total_of_payments": 92278.72, "finance_charge": 13655.84, "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. $1,538 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $73,998, before any dealer documentation fee. Amount financed $78,623, including $4,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $92,279. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 1340, "unit": "per_month", "display": "$1,340/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 73998.0, "price_incl_doc": 73998.0, "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": 1340.06, "amount_financed": 78622.88, "sales_tax": 4624.88, "total_of_payments": 96484.64, "finance_charge": 17861.76, "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. $1,340 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $73,998, before any dealer documentation fee. Amount financed $78,623, including $4,625 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $96,485. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Premium R-Line", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 57198.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2caxtc531784/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2caxtc531784/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CAXTC531784.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CAXTC531784.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CAXTC531784.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2caxtc531784/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,083. This offer applies to Stock #W4248, VIN 1V2FN2CAXTC531784. 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: $57,198. Advertised price: $52,115. Savings: $5,083, 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": "$57,198"}, {"label": "Advertised price", "value": "$52,115"}, {"label": "Savings", "value": "$5,083, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,083", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52115.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CAXTC531784_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": 52115.0, "price_incl_doc": 52115.0, "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": 1057.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 63445.06, "finance_charge": 8072.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4248, VIN 1V2FN2CAXTC531784. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,445. 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_1V2FN2CAXTC531784_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": 52115.0, "price_incl_doc": 52115.0, "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": 917.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 66053.93, "finance_charge": 10681.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4248, VIN 1V2FN2CAXTC531784. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CAXTC531784_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": 52115.0, "price_incl_doc": 52115.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 821.98, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 69046.13, "finance_charge": 13673.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4248, VIN 1V2FN2CAXTC531784. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,046. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CAXTC531784_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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.05, "net_cap_cost": 52790.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.05}, "total_of_payments": 23472, "total_of_payments_unrounded": 23473.8}, "disclosure": "Estimated lease payment for stock #W4248, VIN 1V2FN2CAXTC531784. $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 $57,198. Lease selling price $52,115. Net capitalized cost $52,790. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CAXTC531784_lease", "type": "lease", "label": "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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.76, "net_cap_cost": 49791.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3717.76}, "total_of_payments": 20124, "total_of_payments_unrounded": 20115.36}, "disclosure": "Estimated lease payment for stock #W4248, VIN 1V2FN2CAXTC531784. $559 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,718, made up of $559 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $52,115. Net capitalized cost $49,791. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 425}}, {"vin": "3VW7W7BU8TM012949", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27506.0, "msrp": 29641.0, "sale_price": 27506.0, "currency": "USD", "mileage": 1081, "exterior_color": "Monument Gray", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4176", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu8tm012949/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,135. This offer applies to Stock #W4176, VIN 3VW7W7BU8TM012949. 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: $29,641. Advertised price: $27,506. Savings: $2,135, 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": "$29,641"}, {"label": "Advertised price", "value": "$27,506"}, {"label": "Savings", "value": "$2,135, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,135", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27506.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU8TM012949_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": 27506.0, "price_incl_doc": 27506.0, "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": 558.1, "amount_financed": 29225.13, "sales_tax": 1719.13, "total_of_payments": 33485.94, "finance_charge": 4260.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4176, VIN 3VW7W7BU8TM012949. $558 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,506, before any dealer documentation fee. Amount financed $29,225, including $1,719 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,486. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU8TM012949_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": 27506.0, "price_incl_doc": 27506.0, "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": 484.21, "amount_financed": 29225.13, "sales_tax": 1719.13, "total_of_payments": 34862.89, "finance_charge": 5637.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4176, VIN 3VW7W7BU8TM012949. $484 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,506, before any dealer documentation fee. Amount financed $29,225, including $1,719 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,863. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU8TM012949_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": 27506.0, "price_incl_doc": 27506.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 433.84, "amount_financed": 29225.13, "sales_tax": 1719.13, "total_of_payments": 36442.16, "finance_charge": 7217.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4176, VIN 3VW7W7BU8TM012949. $434 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,506, before any dealer documentation fee. Amount financed $29,225, including $1,719 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,442. 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_3VW7W7BU8TM012949_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 29641.0, "selling_price": 27506.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 363.54, "net_cap_cost": 28181.0, "residual_value": 18377.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 363.54, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 523.54}, "total_of_payments": 13104, "total_of_payments_unrounded": 13087.44}, "disclosure": "Estimated lease payment for stock #W4176, VIN 3VW7W7BU8TM012949. $364 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $524, made up of $364 first payment, $60 title, $100 registration. MSRP $29,641. Lease selling price $27,506. Net capitalized cost $28,181. Residual value $18,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW7W7BU8TM012949_lease", "type": "lease", "label": "Lease", "headline": {"value": 270, "unit": "per_month", "display": "$270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29641.0, "selling_price": 27506.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 270.25, "net_cap_cost": 25182.0, "residual_value": 18377.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 270.25, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3429.25}, "total_of_payments": 9720, "total_of_payments_unrounded": 9729.0}, "disclosure": "Estimated lease payment for stock #W4176, VIN 3VW7W7BU8TM012949. $270 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,429, made up of $270 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,641. 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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": 28514.0, "price_incl_doc": 28514.0, "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": 592.64, "amount_financed": 30296.13, "sales_tax": 1782.13, "total_of_payments": 35558.2, "finance_charge": 5262.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0907, VIN JM3KFBBL9S0721535. $593 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,514, before any dealer documentation fee. Amount financed $30,296, including $1,782 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,558. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48756.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca0tc590190/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca0tc590190/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA0TC590190.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA0TC590190.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA0TC590190.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca0tc590190/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,781. This offer applies to Stock #W4700, VIN 1V2HN2CA0TC590190. 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: $48,756. Advertised price: $43,975. Savings: $4,781, 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": "$48,756"}, {"label": "Advertised price", "value": "$43,975"}, {"label": "Savings", "value": "$4,781, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,781", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA0TC590190_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 892, "unit": "per_month", "display": "$892/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43975.0, "price_incl_doc": 43975.0, "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": 892.26, "amount_financed": 46723.44, "sales_tax": 2748.44, "total_of_payments": 53535.38, "finance_charge": 6811.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4700, VIN 1V2HN2CA0TC590190. $892 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,975, before any dealer documentation fee. Amount financed $46,723, including $2,748 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,535. 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_1V2HN2CA0TC590190_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43975.0, "price_incl_doc": 43975.0, "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": 774.12, "amount_financed": 46723.44, "sales_tax": 2748.44, "total_of_payments": 55736.77, "finance_charge": 9013.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4700, VIN 1V2HN2CA0TC590190. $774 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,975, before any dealer documentation fee. Amount financed $46,723, including $2,748 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,737. 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_1V2HN2CA0TC590190_finance_84", "type": "finance_84", "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": 43975.0, "price_incl_doc": 43975.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.59, "amount_financed": 46723.44, "sales_tax": 2748.44, "total_of_payments": 58261.61, "finance_charge": 11538.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4700, VIN 1V2HN2CA0TC590190. $694 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,975, before any dealer documentation fee. Amount financed $46,723, including $2,748 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,262. 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_1V2HN2CA0TC590190_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48756.0, "selling_price": 43975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.97, "net_cap_cost": 44650.0, "residual_value": 30228.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.97, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.97}, "total_of_payments": 19620, "total_of_payments_unrounded": 19618.92}, "disclosure": "Estimated lease payment for stock #W4700, VIN 1V2HN2CA0TC590190. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $48,756. Lease selling price $43,975. Net capitalized cost $44,650. Residual value $30,229, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2HN2CA0TC590190_lease", "type": "lease", "label": "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": 48756.0, "selling_price": 43975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.67, "net_cap_cost": 41651.0, "residual_value": 30228.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.67}, "total_of_payments": 16272, "total_of_payments_unrounded": 16260.12}, "disclosure": "Estimated lease payment for stock #W4700, VIN 1V2HN2CA0TC590190. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,756. Lease selling price $43,975. Net capitalized cost $41,651. Residual value $30,229, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 418}}, {"vin": "3VVGR7RM6TM145243", "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": "new", "price": 38549.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White w/Deep Black Roof", "interior_color": "Grigio & 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": "W4756", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/04ad45d36c0742bab232d6da9c221ff6.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/04ad45d36c0742bab232d6da9c221ff6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f8f1fbf612254f60bf7dde7caea99853.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9bce33df02944066ba4860089e333ef4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/431eaa20990647d0a872473f7a7006d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c371dc3720b3467b9ed74e28ca007a43.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/47406a3b728e4345b8e0fd9729322ff0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/edb893ff3fa54a3abcc25b62b5115ad1.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm145243/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm145243/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM6TM145243.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM145243.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM145243.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm145243/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,527. This offer applies to Stock #W4756, VIN 3VVGR7RM6TM145243. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM6TM145243_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4756, VIN 3VVGR7RM6TM145243. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM6TM145243_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4756, VIN 3VVGR7RM6TM145243. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM6TM145243_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4756, VIN 3VVGR7RM6TM145243. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM6TM145243_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4756, VIN 3VVGR7RM6TM145243. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM6TM145243_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4756, VIN 3VVGR7RM6TM145243. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 33, "elapsed_ms": 391}}, {"vin": "KM8SRDHF0GU133631", "title": "2016 Hyundai Santa Fe Limited", "year": 2016, "make": "Hyundai", "model": "Santa Fe", "trim": "Limited", "decoded_trim": "TOP", "condition": "used", "price": 10699.0, "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, "engine": "Regular Unleaded V-6 3.3 L/204", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "6-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "PHD0924A", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNARS8KZ256822_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 358, "unit": "per_month", "display": "$358/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17210.0, "price_incl_doc": 17210.0, "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": 357.69, "amount_financed": 18285.63, "sales_tax": 1075.63, "total_of_payments": 21461.62, "finance_charge": 3175.99, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261008AA, VIN 1GYKNARS8KZ256822. $358 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,210, before any dealer documentation fee. Amount financed $18,286, including $1,076 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,462. 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_1GYKNARS8KZ256822_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 312, "unit": "per_month", "display": "$312/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17210.0, "price_incl_doc": 17210.0, "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": 311.66, "amount_financed": 18285.63, "sales_tax": 1075.63, "total_of_payments": 22439.81, "finance_charge": 4154.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261008AA, VIN 1GYKNARS8KZ256822. $312 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,210, before any dealer documentation fee. Amount financed $18,286, including $1,076 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,440. 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"}], "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": 313}}, {"vin": "3VVMR7RM4TM069945", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 11, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Gray", "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": "VD262118", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm069945/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM4TM069945.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM069945.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM069945.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm069945/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD262118, VIN 3VVMR7RM4TM069945. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM4TM069945_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262118, VIN 3VVMR7RM4TM069945. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM4TM069945_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262118, VIN 3VVMR7RM4TM069945. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM4TM069945_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262118, VIN 3VVMR7RM4TM069945. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM069945_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD262118, VIN 3VVMR7RM4TM069945. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM4TM069945_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD262118, VIN 3VVMR7RM4TM069945. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 416}}, {"vin": "1V2HN2CA3TC580799", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44170.0, "msrp": 48993.0, "sale_price": 44170.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4583", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48993.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca3tc580799/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca3tc580799/2026-volkswagen-atlas-sport-utility", "canonical_url": 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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 $4,823. This offer applies to Stock #W4583, VIN 1V2HN2CA3TC580799. 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: $48,993. Advertised price: $44,170. Savings: $4,823, 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": "$48,993"}, {"label": "Advertised price", "value": "$44,170"}, {"label": "Savings", "value": "$4,823, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,823", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44170.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA3TC580799_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 896, "unit": "per_month", "display": "$896/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44170.0, "price_incl_doc": 44170.0, "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": 896.21, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 53772.78, "finance_charge": 6842.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4583, VIN 1V2HN2CA3TC580799. $896 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,773. 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_1V2HN2CA3TC580799_finance_72", "type": "finance_72", "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": 44170.0, "price_incl_doc": 44170.0, "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": 777.55, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 55983.93, "finance_charge": 9053.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4583, VIN 1V2HN2CA3TC580799. $778 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,984. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA3TC580799_finance_84", "type": "finance_84", "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": 44170.0, "price_incl_doc": 44170.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 696.67, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 58519.96, "finance_charge": 11589.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4583, VIN 1V2HN2CA3TC580799. $697 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,520. 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_1V2HN2CA3TC580799_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 48993.0, "selling_price": 44170.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.93, "net_cap_cost": 44845.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.93}, "total_of_payments": 19692, "total_of_payments_unrounded": 19689.48}, "disclosure": "Estimated lease payment for stock #W4583, VIN 1V2HN2CA3TC580799. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $48,993. Lease selling price $44,170. Net capitalized cost $44,845. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2HN2CA3TC580799_lease", "type": "lease", "label": "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": 48993.0, "selling_price": 44170.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 453.64, "net_cap_cost": 41846.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.64}, "total_of_payments": 16344, "total_of_payments_unrounded": 16331.04}, "disclosure": "Estimated lease payment for stock #W4583, VIN 1V2HN2CA3TC580799. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,993. Lease selling price $44,170. Net capitalized cost $41,846. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 419}}, {"vin": "2T3H1RFV4LW082676", "title": "2020 Toyota RAV4 LE", "year": 2020, "make": "Toyota", "model": "RAV4", "trim": "LE", "decoded_trim": "LE", "condition": "used", "price": 20399.0, "msrp": 20399.0, "sale_price": 20988.0, "currency": "USD", "mileage": 88283, "exterior_color": "Blue Flame/Ice Edge Roof", "interior_color": "Black", "drivetrain": "FWD", "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": 27, "mpg_hwy": 35, "range_miles": null, "battery_kwh": null, "stock_number": "HD260963XA", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlevwdownersgrove.com/viewdetails/used/2t3h1rfv4lw082676/2020-toyota-rav4-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/2T3H1RFV4LW082676.html", "json_url": "https://ai.castlevwdownersgrove.com/v/2T3H1RFV4LW082676.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/2T3H1RFV4LW082676.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/2t3h1rfv4lw082676/2020-toyota-rav4-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260963XA, VIN 2T3H1RFV4LW082676. Advertised price: $20,399. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$20,399"}], "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20399.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20399.0, "price_incl_doc": 20399.0, "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": 508.91, "amount_financed": 21673.94, "sales_tax": 1274.94, "total_of_payments": 24427.86, "finance_charge": 2753.92, "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. $509 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,399, before any dealer documentation fee. Amount financed $21,674, including $1,275 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $24,428. 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_2T3H1RFV4LW082676_finance_60", "type": "finance_60", "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": 20399.0, "price_incl_doc": 20399.0, "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": 423.97, "amount_financed": 21673.94, "sales_tax": 1274.94, "total_of_payments": 25438.44, "finance_charge": 3764.5, "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. $424 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,399, before any dealer documentation fee. Amount financed $21,674, including $1,275 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,438. 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_2T3H1RFV4LW082676_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20399.0, "price_incl_doc": 20399.0, "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": 369.42, "amount_financed": 21673.94, "sales_tax": 1274.94, "total_of_payments": 26597.89, "finance_charge": 4923.95, "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. $369 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,399, before any dealer documentation fee. Amount financed $21,674, including $1,275 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,598. 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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23531.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 23531.0, "price_incl_doc": 23531.0, "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": 587.05, "amount_financed": 25001.69, "sales_tax": 1470.69, "total_of_payments": 28178.44, "finance_charge": 3176.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0783, VIN ZASPATCW9R3050733. $587 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,531, before any dealer documentation fee. Amount financed $25,002, including $1,471 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,178. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_ZASPATCW9R3050733_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": 23531.0, "price_incl_doc": 23531.0, "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": 489.07, "amount_financed": 25001.69, "sales_tax": 1470.69, "total_of_payments": 29344.18, "finance_charge": 4342.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0783, VIN ZASPATCW9R3050733. $489 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,531, before any dealer documentation fee. Amount financed $25,002, including $1,471 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,344. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca2tc578113/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262286, VIN 1V2BN2CA2TC578113. Advertised price: $53,276. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$53,276"}], "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 53276.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA2TC578113_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1081, "unit": "per_month", "display": "$1,081/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53276.0, "price_incl_doc": 53276.0, "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": 1080.97, "amount_financed": 56605.75, "sales_tax": 3329.75, "total_of_payments": 64858.46, "finance_charge": 8252.71, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262286, VIN 1V2BN2CA2TC578113. $1,081 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $53,276, before any dealer documentation fee. Amount financed $56,606, including $3,330 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,858. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA2TC578113_finance_72", "type": "finance_72", "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": 53276.0, "price_incl_doc": 53276.0, "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": 937.85, "amount_financed": 56605.75, "sales_tax": 3329.75, "total_of_payments": 67525.46, "finance_charge": 10919.71, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262286, VIN 1V2BN2CA2TC578113. $938 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $53,276, before any dealer documentation fee. Amount financed $56,606, including $3,330 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $67,525. 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"}, {"offer_id": "of_1V2BN2CA2TC578113_finance_84", "type": "finance_84", "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": 53276.0, "price_incl_doc": 53276.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 840.29, "amount_financed": 56605.75, "sales_tax": 3329.75, "total_of_payments": 70584.32, "finance_charge": 13978.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262286, VIN 1V2BN2CA2TC578113. $840 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $53,276, before any dealer documentation fee. Amount financed $56,606, including $3,330 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $70,584. 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_1V2BN2CA2TC578113_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53276.0, "selling_price": 53276.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 756.05, "net_cap_cost": 53951.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 756.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 916.05}, "total_of_payments": 27216, "total_of_payments_unrounded": 27217.8}, "disclosure": "Estimated lease payment for stock #VD262286, VIN 1V2BN2CA2TC578113. $756 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $916, made up of $756 first payment, $60 title, $100 registration. MSRP $53,276. Lease selling price $53,276. Net capitalized cost $53,951. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $27,216. 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_1V2BN2CA2TC578113_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53276.0, "selling_price": 53276.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 662.76, "net_cap_cost": 50952.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 662.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3821.76}, "total_of_payments": 23868, "total_of_payments_unrounded": 23859.36}, "disclosure": "Estimated lease payment for stock #VD262286, VIN 1V2BN2CA2TC578113. $663 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,822, made up of $663 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,276. Lease selling price $53,276. Net capitalized cost $50,952. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,868. 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": 33, "elapsed_ms": 383}}, {"vin": "3VVGR7RM3TM146270", "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": "new", "price": 37732.0, "msrp": 41226.0, "sale_price": 37732.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "W4757", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/97d35708847843acb68e6cf070cfba55.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/97d35708847843acb68e6cf070cfba55.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c6adcc0a4f36440187d25f41c1600069.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27632cbb54644ed68c486f2d8859b050.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5e90a95d9924323806d82b91070531c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bdafc6c48d534fda95d0a899c786dc20.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d676ecdfe0a482b9fc088771415ba5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6dee5cc1e69744dbabc987354cb8e1e0.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41226.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm146270/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm146270/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM3TM146270.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM146270.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM146270.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm146270/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,494. This offer applies to Stock #W4757, VIN 3VVGR7RM3TM146270. 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: $41,226. Advertised price: $37,732. Savings: $3,494, 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": "$41,226"}, {"label": "Advertised price", "value": "$37,732"}, {"label": "Savings", "value": "$3,494, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,494", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37732.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM146270_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": 37732.0, "price_incl_doc": 37732.0, "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": 765.59, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 45935.12, "finance_charge": 5844.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4757, VIN 3VVGR7RM3TM146270. $766 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,935. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM146270_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": 37732.0, "price_incl_doc": 37732.0, "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": 664.22, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 47823.98, "finance_charge": 7733.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4757, VIN 3VVGR7RM3TM146270. $664 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,824. 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_3VVGR7RM3TM146270_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": 37732.0, "price_incl_doc": 37732.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.12, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 49990.38, "finance_charge": 9900.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4757, VIN 3VVGR7RM3TM146270. $595 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,990. 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_3VVGR7RM3TM146270_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": 41226.0, "selling_price": 37732.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 481.11, "net_cap_cost": 38407.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 481.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 641.11}, "total_of_payments": 17316, "total_of_payments_unrounded": 17319.96}, "disclosure": "Estimated lease payment for stock #W4757, VIN 3VVGR7RM3TM146270. $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 $41,226. Lease selling price $37,732. Net capitalized cost $38,407. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM3TM146270_lease", "type": "lease", "label": "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": 41226.0, "selling_price": 37732.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.82, "net_cap_cost": 35408.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.82}, "total_of_payments": 13968, "total_of_payments_unrounded": 13961.52}, "disclosure": "Estimated lease payment for stock #W4757, VIN 3VVGR7RM3TM146270. $388 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,547, made up of $388 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,226. Lease selling price $37,732. Net capitalized cost $35,408. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 386}}, {"vin": "7MMVAADW9TN150493", "title": "2026 Mazda CX-50 Hybrid Premium", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 35524.0, "msrp": 35524.0, "sale_price": 36052.0, "currency": "USD", "mileage": 3151, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Red", "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": "1-Speed CVT w/OD", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0861", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu4tm032769/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,021. This offer applies to Stock #W4337, VIN 3VWBW7BU4TM032769. 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: $27,239. Advertised price: $25,218. Savings: $2,021, 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": "$27,239"}, {"label": "Advertised price", "value": "$25,218"}, {"label": "Savings", "value": "$2,021, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,021", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25218.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU4TM032769_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25218.0, "price_incl_doc": 25218.0, "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": 511.68, "amount_financed": 26794.13, "sales_tax": 1576.13, "total_of_payments": 30700.52, "finance_charge": 3906.39, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4337, VIN 3VWBW7BU4TM032769. $512 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,218, before any dealer documentation fee. Amount financed $26,794, including $1,576 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,701. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM032769_finance_72", "type": "finance_72", "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": 25218.0, "price_incl_doc": 25218.0, "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": 443.93, "amount_financed": 26794.13, "sales_tax": 1576.13, "total_of_payments": 31962.93, "finance_charge": 5168.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4337, VIN 3VWBW7BU4TM032769. $444 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,218, before any dealer documentation fee. Amount financed $26,794, including $1,576 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,963. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM032769_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25218.0, "price_incl_doc": 25218.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 397.75, "amount_financed": 26794.13, "sales_tax": 1576.13, "total_of_payments": 33410.83, "finance_charge": 6616.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4337, VIN 3VWBW7BU4TM032769. $398 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,218, before any dealer documentation fee. Amount financed $26,794, including $1,576 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,411. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM032769_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 27239.0, "selling_price": 25218.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 333.95, "net_cap_cost": 25893.0, "residual_value": 16888.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 333.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 493.95}, "total_of_payments": 12024, "total_of_payments_unrounded": 12022.2}, "disclosure": "Estimated lease payment for stock #W4337, VIN 3VWBW7BU4TM032769. $334 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $494, made up of $334 first payment, $60 title, $100 registration. MSRP $27,239. Lease selling price $25,218. Net capitalized cost $25,893. Residual value $16,888, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU4TM032769_lease", "type": "lease", "label": "Lease", "headline": {"value": 241, "unit": "per_month", "display": "$241/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27239.0, "selling_price": 25218.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 240.66, "net_cap_cost": 22894.0, "residual_value": 16888.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 240.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3399.66}, "total_of_payments": 8676, "total_of_payments_unrounded": 8663.76}, "disclosure": "Estimated lease payment for stock #W4337, VIN 3VWBW7BU4TM032769. $241 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,400, made up of $241 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,239. Lease selling price $25,218. Net capitalized cost $22,894. Residual value $16,888, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,676. 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"}], "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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Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 56188.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca9tc228386/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca9tc228386/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FC2CA9TC228386.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA9TC228386.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA9TC228386.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca9tc228386/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,050. This offer applies to Stock #W4535, VIN 1V2FC2CA9TC228386. 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: $56,188. Advertised price: $51,138. Savings: $5,050, 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": "$56,188"}, {"label": "Advertised price", "value": "$51,138"}, {"label": "Savings", "value": "$5,050, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,050", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51138.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FC2CA9TC228386_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1038, "unit": "per_month", "display": "$1,038/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51138.0, "price_incl_doc": 51138.0, "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": 1037.59, "amount_financed": 54334.13, "sales_tax": 3196.13, "total_of_payments": 62255.66, "finance_charge": 7921.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4535, VIN 1V2FC2CA9TC228386. $1,038 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,138, before any dealer documentation fee. Amount financed $54,334, including $3,196 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,256. 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_1V2FC2CA9TC228386_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 900, "unit": "per_month", "display": "$900/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51138.0, "price_incl_doc": 51138.0, "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": 900.22, "amount_financed": 54334.13, "sales_tax": 3196.13, "total_of_payments": 64815.62, "finance_charge": 10481.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4535, VIN 1V2FC2CA9TC228386. $900 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,138, before any dealer documentation fee. Amount financed $54,334, including $3,196 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,816. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FC2CA9TC228386_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 807, "unit": "per_month", "display": "$807/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51138.0, "price_incl_doc": 51138.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 806.57, "amount_financed": 54334.13, "sales_tax": 3196.13, "total_of_payments": 67751.73, "finance_charge": 13417.6, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4535, VIN 1V2FC2CA9TC228386. $807 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,138, before any dealer documentation fee. Amount financed $54,334, including $3,196 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,752. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FC2CA9TC228386_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56188.0, "selling_price": 51138.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 639.14, "net_cap_cost": 51813.0, "residual_value": 34836.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 639.14, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 799.14}, "total_of_payments": 23004, "total_of_payments_unrounded": 23009.04}, "disclosure": "Estimated lease payment for stock #W4535, VIN 1V2FC2CA9TC228386. $639 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $799, made up of $639 first payment, $60 title, $100 registration. MSRP $56,188. Lease selling price $51,138. Net capitalized cost $51,813. Residual value $34,837, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,004. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FC2CA9TC228386_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56188.0, "selling_price": 51138.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 545.85, "net_cap_cost": 48814.0, "residual_value": 34836.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3704.85}, "total_of_payments": 19656, "total_of_payments_unrounded": 19650.6}, "disclosure": "Estimated lease payment for stock #W4535, VIN 1V2FC2CA9TC228386. $546 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,705, made up of $546 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $56,188. Lease selling price $51,138. Net capitalized cost $48,814. Residual value $34,837, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 368}}, {"vin": "1V2HN2CA4TC585784", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43926.0, "msrp": 48697.0, "sale_price": 43926.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4665", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48697.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc585784/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc585784/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA4TC585784.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA4TC585784.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA4TC585784.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc585784/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,771. This offer applies to Stock #W4665, VIN 1V2HN2CA4TC585784. 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: $48,697. Advertised price: $43,926. Savings: $4,771, 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": "$48,697"}, {"label": "Advertised price", "value": "$43,926"}, {"label": "Savings", "value": "$4,771, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,771", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA4TC585784_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43926.0, "price_incl_doc": 43926.0, "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": 891.26, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 53475.73, "finance_charge": 6804.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4665, VIN 1V2HN2CA4TC585784. $891 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,476. 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_1V2HN2CA4TC585784_finance_72", "type": "finance_72", "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": 43926.0, "price_incl_doc": 43926.0, "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": 773.26, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 55674.67, "finance_charge": 9003.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4665, VIN 1V2HN2CA4TC585784. $773 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA4TC585784_finance_84", "type": "finance_84", "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": 43926.0, "price_incl_doc": 43926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.82, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 58196.69, "finance_charge": 11525.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4665, VIN 1V2HN2CA4TC585784. $693 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,197. 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_1V2HN2CA4TC585784_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": 48697.0, "selling_price": 43926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.46, "net_cap_cost": 44601.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.46, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.46}, "total_of_payments": 19584, "total_of_payments_unrounded": 19600.56}, "disclosure": "Estimated lease payment for stock #W4665, VIN 1V2HN2CA4TC585784. $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 $48,697. Lease selling price $43,926. Net capitalized cost $44,601. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA4TC585784_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": 48697.0, "selling_price": 43926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.17, "net_cap_cost": 41602.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.17, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.17}, "total_of_payments": 16236, "total_of_payments_unrounded": 16242.12}, "disclosure": "Estimated lease payment for stock #W4665, VIN 1V2HN2CA4TC585784. $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 $48,697. 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"vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42313.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm082613/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm082613/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM4TM082613.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM082613.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM082613.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm082613/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,569. This offer applies to Stock #W4440, VIN 3VVGR7RM4TM082613. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM082613_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4440, VIN 3VVGR7RM4TM082613. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM4TM082613_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4440, VIN 3VVGR7RM4TM082613. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM4TM082613_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4440, VIN 3VVGR7RM4TM082613. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM4TM082613_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4440, VIN 3VVGR7RM4TM082613. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM082613_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4440, VIN 3VVGR7RM4TM082613. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu3tm042838/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,615. This offer applies to Stock #VD262142, VIN 3VWBW7BU3TM042838. 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: $28,486. Advertised price: $25,871. Savings: $2,615, 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": "$28,486"}, {"label": "Advertised price", "value": "$25,871"}, {"label": "Savings", "value": "$2,615, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,615", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU3TM042838_finance_60", "type": "finance_60", "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": 25871.0, "price_incl_doc": 25871.0, "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": 524.92, "amount_financed": 27487.94, "sales_tax": 1616.94, "total_of_payments": 31495.48, "finance_charge": 4007.54, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262142, VIN 3VWBW7BU3TM042838. $525 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,871, before any dealer documentation fee. Amount financed $27,488, including $1,617 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,495. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU3TM042838_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": 25871.0, "price_incl_doc": 25871.0, "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": 455.42, "amount_financed": 27487.94, "sales_tax": 1616.94, "total_of_payments": 32790.59, "finance_charge": 5302.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262142, VIN 3VWBW7BU3TM042838. $455 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,871, before any dealer documentation fee. Amount financed $27,488, including $1,617 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,791. 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_3VWBW7BU3TM042838_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": 25871.0, "price_incl_doc": 25871.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 408.05, "amount_financed": 27487.94, "sales_tax": 1616.94, "total_of_payments": 34275.98, "finance_charge": 6788.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262142, VIN 3VWBW7BU3TM042838. $408 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,871, before any dealer documentation fee. Amount financed $27,488, including $1,617 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,276. 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_3VWBW7BU3TM042838_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28486.0, "selling_price": 25871.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 332.68, "net_cap_cost": 26546.0, "residual_value": 17661.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 332.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 492.68}, "total_of_payments": 11988, "total_of_payments_unrounded": 11976.48}, "disclosure": "Estimated lease payment for stock #VD262142, VIN 3VWBW7BU3TM042838. $333 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $493, made up of $333 first payment, $60 title, $100 registration. MSRP $28,486. Lease selling price $25,871. Net capitalized cost $26,546. Residual value $17,661, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU3TM042838_lease", "type": "lease", "label": "Lease", "headline": {"value": 239, "unit": "per_month", "display": "$239/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28486.0, "selling_price": 25871.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 239.39, "net_cap_cost": 23547.0, "residual_value": 17661.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 239.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3398.39}, "total_of_payments": 8604, "total_of_payments_unrounded": 8618.04}, "disclosure": "Estimated lease payment for stock #VD262142, VIN 3VWBW7BU3TM042838. $239 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,398, made up of $239 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,486. Lease selling price $25,871. Net capitalized cost $23,547. Residual value $17,661, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,604. 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. 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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": 25499.0, "price_incl_doc": 25499.0, "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": 529.97, "amount_financed": 27092.69, "sales_tax": 1593.69, "total_of_payments": 31798.36, "finance_charge": 4705.67, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 1V2WNPE81PC029792. $530 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,499, before any dealer documentation fee. Amount financed $27,093, including $1,594 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,798. 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": 25499.0, "price_incl_doc": 25499.0, "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": 461.77, "amount_financed": 27092.69, "sales_tax": 1593.69, "total_of_payments": 33247.68, "finance_charge": 6154.99, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN 1V2WNPE81PC029792. $462 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,499, before any dealer documentation fee. Amount financed $27,093, including $1,594 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,248. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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_KM8KNDAF1PU162819_finance_60", "type": "finance_60", "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": 28397.0, "price_incl_doc": 28397.0, "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": 590.2, "amount_financed": 30171.81, "sales_tax": 1774.81, "total_of_payments": 35412.29, "finance_charge": 5240.48, "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. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,397, before any dealer documentation fee. Amount financed $30,172, including $1,775 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,412. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8KNDAF1PU162819_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": 28397.0, "price_incl_doc": 28397.0, "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": 514.25, "amount_financed": 30171.81, "sales_tax": 1774.81, "total_of_payments": 37026.33, "finance_charge": 6854.52, "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. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,397, before any dealer documentation fee. Amount financed $30,172, including $1,775 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,026. 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"}], "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": 160}}, {"vin": "1V2KN2CA9TC581994", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45800.0, "msrp": 50888.0, "sale_price": 45800.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4582", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc581994/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA9TC581994.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC581994.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC581994.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc581994/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,088. This offer applies to Stock #W4582, VIN 1V2KN2CA9TC581994. 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: $50,888. Advertised price: $45,800. Savings: $5,088, 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": "$50,888"}, {"label": "Advertised price", "value": "$45,800"}, {"label": "Savings", "value": "$5,088, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,088", "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45800.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA9TC581994_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": 45800.0, "price_incl_doc": 45800.0, "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": 929.29, "amount_financed": 48662.5, "sales_tax": 2862.5, "total_of_payments": 55757.14, "finance_charge": 7094.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4582, VIN 1V2KN2CA9TC581994. $929 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,800, before any dealer documentation fee. Amount financed $48,662, including $2,862 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,757. 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_1V2KN2CA9TC581994_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45800.0, "price_incl_doc": 45800.0, "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": 806.25, "amount_financed": 48662.5, "sales_tax": 2862.5, "total_of_payments": 58049.89, "finance_charge": 9387.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4582, VIN 1V2KN2CA9TC581994. $806 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,800, before any dealer documentation fee. Amount financed $48,662, including $2,862 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,050. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC581994_finance_84", "type": "finance_84", "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": 45800.0, "price_incl_doc": 45800.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 722.38, "amount_financed": 48662.5, "sales_tax": 2862.5, "total_of_payments": 60679.51, "finance_charge": 12017.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4582, VIN 1V2KN2CA9TC581994. $722 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,800, before any dealer documentation fee. Amount financed $48,662, including $2,862 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,680. 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_1V2KN2CA9TC581994_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 50888.0, "selling_price": 45800.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 564.83, "net_cap_cost": 46475.0, "residual_value": 31550.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 564.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 724.83}, "total_of_payments": 20340, "total_of_payments_unrounded": 20333.88}, "disclosure": "Estimated lease payment for stock #W4582, VIN 1V2KN2CA9TC581994. $565 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $725, made up of $565 first payment, $60 title, $100 registration. MSRP $50,888. Lease selling price $45,800. Net capitalized cost $46,475. Residual value $31,551, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KN2CA9TC581994_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": 50888.0, "selling_price": 45800.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 471.54, "net_cap_cost": 43476.0, "residual_value": 31550.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 471.54, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3630.54}, "total_of_payments": 16992, "total_of_payments_unrounded": 16975.44}, "disclosure": "Estimated lease payment for stock #W4582, VIN 1V2KN2CA9TC581994. $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 $50,888. Lease selling price $45,800. Net capitalized cost $43,476. Residual value $31,551, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": "1V2CN2CA6TC583965", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 44577.0, "msrp": 50566.0, "sale_price": 44577.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Titan Black with Orange Stitching", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262272", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc583965/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA6TC583965.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC583965.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC583965.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc583965/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,989. This offer applies to Stock #VD262272, VIN 1V2CN2CA6TC583965. 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: $50,566. Advertised price: $44,577. Savings: $5,989, 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": "$50,566"}, {"label": "Advertised price", "value": "$44,577"}, {"label": "Savings", "value": "$5,989, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,989", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44577.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA6TC583965_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 904, "unit": "per_month", "display": "$904/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44577.0, "price_incl_doc": 44577.0, "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": 904.47, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 54268.25, "finance_charge": 6905.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262272, VIN 1V2CN2CA6TC583965. $904 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,268. 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_1V2CN2CA6TC583965_finance_72", "type": "finance_72", "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": 44577.0, "price_incl_doc": 44577.0, "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": 784.72, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 56499.78, "finance_charge": 9136.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262272, VIN 1V2CN2CA6TC583965. $785 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC583965_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": 44577.0, "price_incl_doc": 44577.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.09, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 59059.18, "finance_charge": 11696.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262272, VIN 1V2CN2CA6TC583965. $703 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,059. 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_1V2CN2CA6TC583965_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.36, "net_cap_cost": 45252.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.36}, "total_of_payments": 19152, "total_of_payments_unrounded": 19164.96}, "disclosure": "Estimated lease payment for stock #VD262272, VIN 1V2CN2CA6TC583965. $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 $50,566. Lease selling price $44,577. Net capitalized cost $45,252. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA6TC583965_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.07, "net_cap_cost": 42253.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.07}, "total_of_payments": 15804, "total_of_payments_unrounded": 15806.52}, "disclosure": "Estimated lease payment for stock #VD262272, VIN 1V2CN2CA6TC583965. $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 $50,566. Lease selling price $44,577. Net capitalized cost $42,253. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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": 203}}, {"vin": "3VVMR7RM4TM076054", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Gray", "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": "VD262097", "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 $3,843. This offer applies to Stock #VD262097, VIN 3VVMR7RM4TM076054. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM4TM076054_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262097, VIN 3VVMR7RM4TM076054. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM076054_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262097, VIN 3VVMR7RM4TM076054. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM4TM076054_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262097, VIN 3VVMR7RM4TM076054. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM076054_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262097, VIN 3VVMR7RM4TM076054. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM4TM076054_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262097, VIN 3VVMR7RM4TM076054. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 201}}, {"vin": "1C4RJYB65N8761491", "title": "2022 Jeep Grand Cherokee 4xe 4xe", "year": 2022, "make": "Jeep", "model": "Grand Cherokee 4xe", "trim": "4xe", "decoded_trim": "Limited 4XE", "condition": "used", "price": 25220.0, "msrp": 25220.0, "sale_price": 25890.0, "currency": "USD", "mileage": 32385, "exterior_color": "Diamond Black Crystal Pearlcoat", "interior_color": "Global Black", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "PHD1010", "stock_status": "Available", 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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1c4rjyb65n8761491/2022-jeep-grand-cherokee-4xe-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PHD1010, VIN 1C4RJYB65N8761491. Advertised price: $25,220. 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": "$25,220"}], "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": "2026-07-26T16:50:26Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25220.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4RJYB65N8761491_finance_48", "type": "finance_48", "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": 25220.0, "price_incl_doc": 25220.0, "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": 629.19, "amount_financed": 26796.25, "sales_tax": 1576.25, "total_of_payments": 30201.02, "finance_charge": 3404.77, "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. $629 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,220, before any dealer documentation fee. Amount financed $26,796, including $1,576 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJYB65N8761491_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": 25220.0, "price_incl_doc": 25220.0, "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": 524.17, "amount_financed": 26796.25, "sales_tax": 1576.25, "total_of_payments": 31450.43, "finance_charge": 4654.18, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1010, VIN 1C4RJYB65N8761491. $524 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,220, before any dealer documentation fee. Amount financed $26,796, including $1,576 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,450. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJYB65N8761491_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 457, "unit": "per_month", "display": "$457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25220.0, "price_incl_doc": 25220.0, "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": 456.72, "amount_financed": 26796.25, "sales_tax": 1576.25, "total_of_payments": 32883.9, "finance_charge": 6087.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1010, VIN 1C4RJYB65N8761491. $457 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,220, before any dealer documentation fee. Amount financed $26,796, including $1,576 estimated sales tax at 6.25%. That is $17.04 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": 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": 145}}, {"vin": "3VVMR7RM8TM098994", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "NRVD262168", "stock_status": "Available", "availability": "In Stock", 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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm098994/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #NRVD262168, VIN 3VVMR7RM8TM098994. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM098994_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262168, VIN 3VVMR7RM8TM098994. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM098994_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262168, VIN 3VVMR7RM8TM098994. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM8TM098994_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262168, VIN 3VVMR7RM8TM098994. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM098994_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262168, VIN 3VVMR7RM8TM098994. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM8TM098994_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262168, VIN 3VVMR7RM8TM098994. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VVMR7RM0TM096561", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 8, "exterior_color": "Platinum Gray Metallic", "interior_color": "Gray", "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": "NRVD262189", "stock_status": "Available", "availability": "In Stock", 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[], "price_history": [], "window_sticker": {"msrp": 38381.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm096561/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm096561/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM0TM096561.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM0TM096561.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM0TM096561.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm096561/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #NRVD262189, VIN 3VVMR7RM0TM096561. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM0TM096561_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262189, VIN 3VVMR7RM0TM096561. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM0TM096561_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262189, VIN 3VVMR7RM0TM096561. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM0TM096561_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262189, VIN 3VVMR7RM0TM096561. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM0TM096561_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262189, VIN 3VVMR7RM0TM096561. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM0TM096561_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262189, VIN 3VVMR7RM0TM096561. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 201}}, {"vin": "3VVMR7RM1TM097766", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "NRVD262167", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38381.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm1tm097766/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm1tm097766/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM1TM097766.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM1TM097766.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM1TM097766.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm1tm097766/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #NRVD262167, VIN 3VVMR7RM1TM097766. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM1TM097766_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262167, VIN 3VVMR7RM1TM097766. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM097766_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262167, VIN 3VVMR7RM1TM097766. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM1TM097766_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262167, VIN 3VVMR7RM1TM097766. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM097766_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262167, VIN 3VVMR7RM1TM097766. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM1TM097766_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262167, VIN 3VVMR7RM1TM097766. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 190}}, {"vin": "KM8RJES29TU056415", "title": "2026 Hyundai Palisade XRT Pro", "year": 2026, "make": "Hyundai", "model": "Palisade", "trim": "XRT Pro", "decoded_trim": "XRT Pro", "condition": "used", "price": 47985.0, "msrp": 47985.0, "sale_price": 48118.0, "currency": "USD", "mileage": 15, "exterior_color": "Creamy 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 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": "HD260176", "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/2000157/2065512/0x0/33a5fe69c2dd42f7871e855d04ca970b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/33a5fe69c2dd42f7871e855d04ca970b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/709a74d0e3fa47c285860678f208fcbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53f388926074494e9a8c41f71516a6ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba81359410db43569735948f8010bb7e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ecbdadde4a90495a907bb8612e89aaeb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ee26ce679dfc48fc921668d789ce7cc3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2df9e7bb918e4652be7e79a0999f993f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b698c68e8ec74a4590d1a4572db2d9d4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ac5aa63860541d5be013f1e952bb45d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b2a1449cc0a04468823a8d368cd03040.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00474440d49943cd9398839ec25f0efb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3c768d9eb144b93a4bbcf8169a77434.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95ff0237ca7c4e1096a578c80df9d9df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6949a0099230495c878839d824fc3336.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/132239f51aac4b55bf4b5920beb9e84b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/097ddc52e67147869a571794f627d20b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d25eb31d3ac46bf9e37f977b2382d6f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8119c9f8879f4b65b5bd0dc8b3092684.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/331524437446420888ede69fd59c4f9f.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": 47985.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/KM8RJES29TU056415.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8rjes29tu056415/2026-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8rjes29tu056415/2026-hyundai-palisade-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KM8RJES29TU056415.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KM8RJES29TU056415.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KM8RJES29TU056415.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8rjes29tu056415/2026-hyundai-palisade-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260176, VIN KM8RJES29TU056415. Advertised price: $47,985. 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": "$47,985"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47985.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8RJES29TU056415_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1197, "unit": "per_month", "display": "$1,197/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47985.0, "price_incl_doc": 47985.0, "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": 1197.13, "amount_financed": 50984.06, "sales_tax": 2999.06, "total_of_payments": 57462.16, "finance_charge": 6478.1, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260176, VIN KM8RJES29TU056415. $1,197 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $47,985, before any dealer documentation fee. Amount financed $50,984, including $2,999 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $57,462. 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_KM8RJES29TU056415_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 997, "unit": "per_month", "display": "$997/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47985.0, "price_incl_doc": 47985.0, "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": 997.32, "amount_financed": 50984.06, "sales_tax": 2999.06, "total_of_payments": 59839.37, "finance_charge": 8855.31, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260176, VIN KM8RJES29TU056415. $997 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $47,985, before any dealer documentation fee. Amount financed $50,984, including $2,999 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $59,839. 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_KM8RJES29TU056415_finance_72", "type": "finance_72", "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": 47985.0, "price_incl_doc": 47985.0, "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": 868.98, "amount_financed": 50984.06, "sales_tax": 2999.06, "total_of_payments": 62566.76, "finance_charge": 11582.7, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260176, VIN KM8RJES29TU056415. $869 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $47,985, before any dealer documentation fee. Amount financed $50,984, including $2,999 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $62,567. 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"}], "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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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu2tm041034/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU2TM041034.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU2TM041034.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU2TM041034.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu2tm041034/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD261995, VIN 3VWBW7BU2TM041034. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU2TM041034_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261995, VIN 3VWBW7BU2TM041034. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU2TM041034_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261995, VIN 3VWBW7BU2TM041034. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU2TM041034_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261995, VIN 3VWBW7BU2TM041034. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU2TM041034_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD261995, VIN 3VWBW7BU2TM041034. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU2TM041034_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD261995, VIN 3VWBW7BU2TM041034. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": 194}}, {"vin": "3VVGR7RM6TM125073", "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": "new", "price": 38549.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 5, "exterior_color": "Avocado Green w/Deep Black Roof", "interior_color": "Crystal Gray", "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": "W4686", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/e7b432ebcb6042ecbe6f26719f75e1fb.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/e7b432ebcb6042ecbe6f26719f75e1fb.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/4bf9669faad842a8af80f7540747cf04.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3f5b159bebdd4e6aa9a868192fdf1217.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2df3bcc8ca594e3f9d2fb02a4d92f6b8.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/8852fcbf765b4a67a83626a79ffdf71c.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/007aad20074c47b1b582b093008ba109.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/386a6b148451408d92bbfd7536e761da.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "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": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm125073/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm125073/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM6TM125073.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM125073.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM125073.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm125073/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,527. This offer applies to Stock #W4686, VIN 3VVGR7RM6TM125073. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM6TM125073_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4686, VIN 3VVGR7RM6TM125073. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM6TM125073_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4686, VIN 3VVGR7RM6TM125073. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM6TM125073_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4686, VIN 3VVGR7RM6TM125073. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM6TM125073_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4686, VIN 3VVGR7RM6TM125073. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM6TM125073_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4686, VIN 3VVGR7RM6TM125073. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 186}}, {"vin": "3VVMR7RM2TM095458", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 8, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "VD262186", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm2tm095458/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM2TM095458.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM2TM095458.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM2TM095458.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm2tm095458/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,843. This offer applies to Stock #VD262186, VIN 3VVMR7RM2TM095458. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM2TM095458_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262186, VIN 3VVMR7RM2TM095458. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM095458_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262186, VIN 3VVMR7RM2TM095458. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM2TM095458_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262186, VIN 3VVMR7RM2TM095458. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM095458_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262186, VIN 3VVMR7RM2TM095458. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM2TM095458_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262186, VIN 3VVMR7RM2TM095458. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 196}}, {"vin": "3VWEM7BU0PM031174", "title": "2023 Volkswagen Jetta SE", "year": 2023, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "used", "price": 17995.0, "msrp": 17995.0, "sale_price": 17998.0, "currency": "USD", "mileage": 43604, "exterior_color": "Platinum Gray Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "PDV0984", "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 #PDV0984, VIN 3VWEM7BU0PM031174. Advertised price: $17,995. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$17,995"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17995.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWEM7BU0PM031174_finance_48", "type": "finance_48", "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": 17995.0, "price_incl_doc": 17995.0, "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": 448.94, "amount_financed": 19119.69, "sales_tax": 1124.69, "total_of_payments": 21549.06, "finance_charge": 2429.37, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0984, VIN 3VWEM7BU0PM031174. $449 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,995, before any dealer documentation fee. Amount financed $19,120, including $1,125 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,549. 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"}, {"offer_id": "of_3VWEM7BU0PM031174_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17995.0, "price_incl_doc": 17995.0, "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": 374.01, "amount_financed": 19119.69, "sales_tax": 1124.69, "total_of_payments": 22440.55, "finance_charge": 3320.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0984, VIN 3VWEM7BU0PM031174. $374 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,995, before any dealer documentation fee. Amount financed $19,120, including $1,125 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,441. 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_3VWEM7BU0PM031174_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17995.0, "price_incl_doc": 17995.0, "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": 325.88, "amount_financed": 19119.69, "sales_tax": 1124.69, "total_of_payments": 23463.35, "finance_charge": 4343.66, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0984, VIN 3VWEM7BU0PM031174. $326 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,995, before any dealer documentation fee. Amount financed $19,120, including $1,125 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,463. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 142}}, {"vin": "1V2KN2CA1TC591127", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44761.0, "msrp": 49756.0, "sale_price": 44761.0, "currency": "USD", "mileage": 8, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4705", "stock_status": "Available", 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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 $4,995. This offer applies to Stock #W4705, VIN 1V2KN2CA1TC591127. 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: $49,756. Advertised price: $44,761. Savings: $4,995, 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": "$49,756"}, {"label": "Advertised price", "value": "$44,761"}, {"label": "Savings", "value": "$4,995, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,995", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44761.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA1TC591127_finance_60", "type": "finance_60", "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": 44761.0, "price_incl_doc": 44761.0, "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": 908.2, "amount_financed": 47558.56, "sales_tax": 2797.56, "total_of_payments": 54492.26, "finance_charge": 6933.7, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4705, VIN 1V2KN2CA1TC591127. $908 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,761, before any dealer documentation fee. Amount financed $47,559, including $2,798 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,492. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC591127_finance_72", "type": "finance_72", "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": 44761.0, "price_incl_doc": 44761.0, "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": 787.96, "amount_financed": 47558.56, "sales_tax": 2797.56, "total_of_payments": 56732.99, "finance_charge": 9174.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4705, VIN 1V2KN2CA1TC591127. $788 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,761, before any dealer documentation fee. Amount financed $47,559, including $2,798 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,733. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC591127_finance_84", "type": "finance_84", "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": 44761.0, "price_incl_doc": 44761.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 705.99, "amount_financed": 47558.56, "sales_tax": 2797.56, "total_of_payments": 59302.96, "finance_charge": 11744.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4705, VIN 1V2KN2CA1TC591127. $706 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,761, before any dealer documentation fee. Amount financed $47,559, including $2,798 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,303. 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_1V2KN2CA1TC591127_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 49756.0, "selling_price": 44761.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.11, "net_cap_cost": 45436.0, "residual_value": 30848.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 712.11}, "total_of_payments": 19872, "total_of_payments_unrounded": 19875.96}, "disclosure": "Estimated lease payment for stock #W4705, VIN 1V2KN2CA1TC591127. $552 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $712, made up of $552 first payment, $60 title, $100 registration. MSRP $49,756. Lease selling price $44,761. Net capitalized cost $45,436. Residual value $30,849, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KN2CA1TC591127_lease", "type": "lease", "label": "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": 49756.0, "selling_price": 44761.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 458.81, "net_cap_cost": 42437.0, "residual_value": 30848.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 458.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3617.81}, "total_of_payments": 16524, "total_of_payments_unrounded": 16517.16}, "disclosure": "Estimated lease payment for stock #W4705, VIN 1V2KN2CA1TC591127. $459 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,618, made up of $459 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,756. Lease selling price $44,761. Net capitalized cost $42,437. Residual value $30,849, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 199}}, {"vin": "1V2LN2CAXTC546630", "title": "2026 Volkswagen Atlas 2.0T SE", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 43811.0, "msrp": 43811.0, "sale_price": 38745.0, "currency": "USD", "mileage": null, "exterior_color": "Other", "interior_color": null, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261803XX", "stock_status": "Available", "availability": "In Stock", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2caxtc546630/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2LN2CAXTC546630.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CAXTC546630.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CAXTC546630.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2caxtc546630/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD261803XX, VIN 1V2LN2CAXTC546630. Advertised price: $43,811. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$43,811"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43811.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CAXTC546630_finance_60", "type": "finance_60", "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": 43811.0, "price_incl_doc": 43811.0, "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": 888.93, "amount_financed": 46549.19, "sales_tax": 2738.19, "total_of_payments": 53335.73, "finance_charge": 6786.54, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261803XX, VIN 1V2LN2CAXTC546630. $889 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,811, before any dealer documentation fee. Amount financed $46,549, including $2,738 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,336. 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_1V2LN2CAXTC546630_finance_72", "type": "finance_72", "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": 43811.0, "price_incl_doc": 43811.0, "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": 771.23, "amount_financed": 46549.19, "sales_tax": 2738.19, "total_of_payments": 55528.91, "finance_charge": 8979.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261803XX, VIN 1V2LN2CAXTC546630. $771 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,811, before any dealer documentation fee. Amount financed $46,549, including $2,738 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,529. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CAXTC546630_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": 43811.0, "price_incl_doc": 43811.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 691.0, "amount_financed": 46549.19, "sales_tax": 2738.19, "total_of_payments": 58044.33, "finance_charge": 11495.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261803XX, VIN 1V2LN2CAXTC546630. $691 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,811, before any dealer documentation fee. Amount financed $46,549, including $2,738 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,044. 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_1V2LN2CAXTC546630_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 43811.0, "selling_price": 43811.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 625.46, "net_cap_cost": 44486.0, "residual_value": 27162.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 625.46, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 785.46}, "total_of_payments": 22500, "total_of_payments_unrounded": 22516.56}, "disclosure": "Estimated lease payment for stock #VD261803XX, VIN 1V2LN2CAXTC546630. $625 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $785, made up of $625 first payment, $60 title, $100 registration. MSRP $43,811. Lease selling price $43,811. Net capitalized cost $44,486. Residual value $27,163, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CAXTC546630_lease", "type": "lease", "label": "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": 43811.0, "selling_price": 43811.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.17, "net_cap_cost": 41487.0, "residual_value": 27162.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.17, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3691.17}, "total_of_payments": 19152, "total_of_payments_unrounded": 19158.12}, "disclosure": "Estimated lease payment for stock #VD261803XX, VIN 1V2LN2CAXTC546630. $532 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,691, made up of $532 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,811. Lease selling price $43,811. Net capitalized cost $41,487. Residual value $27,163, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 213}}, {"vin": "7SAXCDE56RF445880", "title": "2024 Tesla Model X Base", "year": 2024, "make": "Tesla", "model": "Model X", "trim": "Base", "decoded_trim": null, "condition": "used", "price": 65790.0, "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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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/7saxcde56rf445880/2024-tesla-model-x-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/7SAXCDE56RF445880.html", "json_url": "https://ai.castlevwdownersgrove.com/v/7SAXCDE56RF445880.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/7SAXCDE56RF445880.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/7saxcde56rf445880/2024-tesla-model-x-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260822A, VIN 7SAXCDE56RF445880. Advertised price: $65,790. 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": "$65,790"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 65790.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7SAXCDE56RF445880_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1641, "unit": "per_month", "display": "$1,641/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": 65790.0, "price_incl_doc": 65790.0, "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": 1641.33, "amount_financed": 69901.88, "sales_tax": 4111.88, "total_of_payments": 78783.71, "finance_charge": 8881.83, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260822A, VIN 7SAXCDE56RF445880. $1,641 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $65,790, before any dealer documentation fee. Amount financed $69,902, including $4,112 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $78,784. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7SAXCDE56RF445880_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1367, "unit": "per_month", "display": "$1,367/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": 65790.0, "price_incl_doc": 65790.0, "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": 1367.38, "amount_financed": 69901.88, "sales_tax": 4111.88, "total_of_payments": 82042.99, "finance_charge": 12141.11, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260822A, VIN 7SAXCDE56RF445880. $1,367 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $65,790, before any dealer documentation fee. Amount financed $69,902, including $4,112 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $82,043. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7SAXCDE56RF445880_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1191, "unit": "per_month", "display": "$1,191/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 65790.0, "price_incl_doc": 65790.0, "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": 1191.42, "amount_financed": 69901.88, "sales_tax": 4111.88, "total_of_payments": 85782.38, "finance_charge": 15880.5, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260822A, VIN 7SAXCDE56RF445880. $1,191 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $65,790, before any dealer documentation fee. Amount financed $69,902, including $4,112 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $85,782. 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"}], "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": 152}}, {"vin": "3VW7W7BU8TM063898", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27262.0, "msrp": 29345.0, "sale_price": 27262.0, "currency": "USD", "mileage": 7, "exterior_color": "Kings Red Metallic", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4605", "stock_status": "Available", "availability": "In Stock", 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"monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu8tm063898/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu8tm063898/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU8TM063898.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU8TM063898.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU8TM063898.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu8tm063898/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,083. This offer applies to Stock #W4605, VIN 3VW7W7BU8TM063898. 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: $29,345. Advertised price: $27,262. Savings: $2,083, 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": "$29,345"}, {"label": "Advertised price", "value": "$27,262"}, {"label": "Savings", "value": "$2,083, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,083", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27262.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU8TM063898_finance_60", "type": "finance_60", "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": 27262.0, "price_incl_doc": 27262.0, "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": 553.15, "amount_financed": 28965.88, "sales_tax": 1703.88, "total_of_payments": 33188.9, "finance_charge": 4223.02, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4605, VIN 3VW7W7BU8TM063898. $553 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,262, before any dealer documentation fee. Amount financed $28,966, including $1,704 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU8TM063898_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27262.0, "price_incl_doc": 27262.0, "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": 479.91, "amount_financed": 28965.88, "sales_tax": 1703.88, "total_of_payments": 34553.63, "finance_charge": 5587.75, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4605, VIN 3VW7W7BU8TM063898. $480 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,262, before any dealer documentation fee. Amount financed $28,966, including $1,704 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,554. 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_3VW7W7BU8TM063898_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27262.0, "price_incl_doc": 27262.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 429.99, "amount_financed": 28965.88, "sales_tax": 1703.88, "total_of_payments": 36118.89, "finance_charge": 7153.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4605, VIN 3VW7W7BU8TM063898. $430 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,262, before any dealer documentation fee. Amount financed $28,966, including $1,704 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,119. 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_3VW7W7BU8TM063898_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": 29345.0, "selling_price": 27262.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 361.08, "net_cap_cost": 27937.0, "residual_value": 18193.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 361.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 521.08}, "total_of_payments": 12996, "total_of_payments_unrounded": 12998.88}, "disclosure": "Estimated lease payment for stock #W4605, VIN 3VW7W7BU8TM063898. $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 $29,345. Lease selling price $27,262. Net capitalized cost $27,937. Residual value $18,194, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VW7W7BU8TM063898_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": 29345.0, "selling_price": 27262.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 267.79, "net_cap_cost": 24938.0, "residual_value": 18193.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 267.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3426.79}, "total_of_payments": 9648, "total_of_payments_unrounded": 9640.44}, "disclosure": "Estimated lease payment for stock #W4605, VIN 3VW7W7BU8TM063898. $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 $29,345. Lease selling price $27,262. Net capitalized cost $24,938. Residual value $18,194, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 208}}, {"vin": "3VVMR7RM9TM071724", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35192.0, "msrp": 38727.0, "sale_price": 35192.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "W4380", "stock_status": "Available", "availability": "In Stock", 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[], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm071724/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm071724/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM9TM071724.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM9TM071724.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM9TM071724.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm071724/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,535. This offer applies to Stock #W4380, VIN 3VVMR7RM9TM071724. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM9TM071724_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4380, VIN 3VVMR7RM9TM071724. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM071724_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4380, VIN 3VVMR7RM9TM071724. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM9TM071724_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4380, VIN 3VVMR7RM9TM071724. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM9TM071724_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4380, VIN 3VVMR7RM9TM071724. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM071724_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4380, VIN 3VVMR7RM9TM071724. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": "3VWBW7BU8TM017076", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25442.0, "msrp": 27506.0, "sale_price": 25442.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4199", "stock_status": "Available", "availability": "In Stock", 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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm017076/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU8TM017076.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM017076.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM017076.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm017076/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,064. This offer applies to Stock #W4199, VIN 3VWBW7BU8TM017076. 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: $27,506. Advertised price: $25,442. Savings: $2,064, 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": "$27,506"}, {"label": "Advertised price", "value": "$25,442"}, {"label": "Savings", "value": "$2,064, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,064", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25442.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU8TM017076_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": 25442.0, "price_incl_doc": 25442.0, "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": 516.22, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 30973.22, "finance_charge": 3941.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4199, VIN 3VWBW7BU8TM017076. $516 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,973. 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_3VWBW7BU8TM017076_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25442.0, "price_incl_doc": 25442.0, "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": 447.87, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 32246.85, "finance_charge": 5214.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4199, VIN 3VWBW7BU8TM017076. $448 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,247. 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_3VWBW7BU8TM017076_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25442.0, "price_incl_doc": 25442.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 401.28, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 33707.61, "finance_charge": 6675.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4199, VIN 3VWBW7BU8TM017076. $401 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,708. 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_3VWBW7BU8TM017076_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 336, "unit": "per_month", "display": "$336/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27506.0, "selling_price": 25442.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 336.3, "net_cap_cost": 26117.0, "residual_value": 17053.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 336.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 496.3}, "total_of_payments": 12096, "total_of_payments_unrounded": 12106.8}, "disclosure": "Estimated lease payment for stock #W4199, VIN 3VWBW7BU8TM017076. $336 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $496, made up of $336 first payment, $60 title, $100 registration. MSRP $27,506. Lease selling price $25,442. Net capitalized cost $26,117. Residual value $17,054, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,096. 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_3VWBW7BU8TM017076_lease", "type": "lease", "label": "Lease", "headline": {"value": 243, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27506.0, "selling_price": 25442.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 243.0, "net_cap_cost": 23118.0, "residual_value": 17053.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 243, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3402}, "total_of_payments": 8748, "total_of_payments_unrounded": 8748.0}, "disclosure": "Estimated lease payment for stock #W4199, VIN 3VWBW7BU8TM017076. $243 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,402, made up of $243 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,506. Lease selling price $25,442. Net capitalized cost $23,118. Residual value $17,054, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,748. 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": [{"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": 212}}, {"vin": "JF1GUABC3R8284762", "title": "2024 Subaru Impreza Base", "year": 2024, "make": "Subaru", "model": "Impreza", "trim": "Base", "decoded_trim": "Base", "condition": "used", "price": 23388.0, "msrp": 23388.0, "sale_price": 23595.0, "currency": "USD", "mileage": 27837, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 27, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "PHD1019", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23388.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 23388.0, "price_incl_doc": 23388.0, "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": 583.48, "amount_financed": 24849.75, "sales_tax": 1461.75, "total_of_payments": 28007.19, "finance_charge": 3157.44, "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. $583 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,388, before any dealer documentation fee. Amount financed $24,850, including $1,462 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,007. 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_JF1GUABC3R8284762_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23388.0, "price_incl_doc": 23388.0, "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": 486.1, "amount_financed": 24849.75, "sales_tax": 1461.75, "total_of_payments": 29165.85, "finance_charge": 4316.1, "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. $486 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,388, before any dealer documentation fee. Amount financed $24,850, including $1,462 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,166. 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": 23388.0, "price_incl_doc": 23388.0, "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": 423.54, "amount_financed": 24849.75, "sales_tax": 1461.75, "total_of_payments": 30495.18, "finance_charge": 5645.43, "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. $424 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,388, before any dealer documentation fee. Amount financed $24,850, including $1,462 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,495. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42313.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm084738/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm084738/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM1TM084738.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM084738.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM084738.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm084738/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,569. This offer applies to Stock #W4459, VIN 3VVGR7RM1TM084738. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM1TM084738_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4459, VIN 3VVGR7RM1TM084738. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM084738_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4459, VIN 3VVGR7RM1TM084738. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM1TM084738_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4459, VIN 3VVGR7RM1TM084738. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM1TM084738_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4459, VIN 3VVGR7RM1TM084738. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM1TM084738_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4459, VIN 3VVGR7RM1TM084738. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VVER7RM1TM024126", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 33684.0, "msrp": 37290.0, "sale_price": 33684.0, "currency": "USD", "mileage": 7, "exterior_color": "White", "interior_color": "GRIGIO&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": "W4178", "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 $3,606. This offer applies to Stock #W4178, VIN 3VVER7RM1TM024126. 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: $37,290. Advertised price: $33,684. Savings: $3,606, 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": "$37,290"}, {"label": "Advertised price", "value": "$33,684"}, {"label": "Savings", "value": "$3,606, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,606", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33684.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM1TM024126_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": 33684.0, "price_incl_doc": 33684.0, "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": 683.45, "amount_financed": 35789.25, "sales_tax": 2105.25, "total_of_payments": 41007.07, "finance_charge": 5217.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4178, VIN 3VVER7RM1TM024126. $683 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,684, before any dealer documentation fee. Amount financed $35,789, including $2,105 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,007. 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_3VVER7RM1TM024126_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": 33684.0, "price_incl_doc": 33684.0, "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": 592.96, "amount_financed": 35789.25, "sales_tax": 2105.25, "total_of_payments": 42693.29, "finance_charge": 6904.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4178, VIN 3VVER7RM1TM024126. $593 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,684, before any dealer documentation fee. Amount financed $35,789, including $2,105 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,693. 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_3VVER7RM1TM024126_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": 33684.0, "price_incl_doc": 33684.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 531.28, "amount_financed": 35789.25, "sales_tax": 2105.25, "total_of_payments": 44627.26, "finance_charge": 8838.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4178, VIN 3VVER7RM1TM024126. $531 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,684, before any dealer documentation fee. Amount financed $35,789, including $2,105 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,627. 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_3VVER7RM1TM024126_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 37290.0, "selling_price": 33684.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 423.32, "net_cap_cost": 34359.0, "residual_value": 23119.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 423.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 583.32}, "total_of_payments": 15228, "total_of_payments_unrounded": 15239.52}, "disclosure": "Estimated lease payment for stock #W4178, VIN 3VVER7RM1TM024126. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $37,290. Lease selling price $33,684. Net capitalized cost $34,359. Residual value $23,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVER7RM1TM024126_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37290.0, "selling_price": 33684.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 330.03, "net_cap_cost": 31360.0, "residual_value": 23119.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 330.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3489.03}, "total_of_payments": 11880, "total_of_payments_unrounded": 11881.08}, "disclosure": "Estimated lease payment for stock #W4178, VIN 3VVER7RM1TM024126. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,290. Lease selling price $33,684. Net capitalized cost $31,360. Residual value $23,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 202}}, {"vin": "3VVGR7RM3TM139786", "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": "new", "price": 41858.0, "msrp": 41858.0, "sale_price": 38306.0, "currency": "USD", "mileage": 5, "exterior_color": "Sandstone w/Deep Black Roof", "interior_color": "Grigio & 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": "W4733", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/63a336d507e042adb692d4c250ddcb50.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/63a336d507e042adb692d4c250ddcb50.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa482e44dc9d46b89ffcc2df6222c619.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0292847486954ff69509047fdb70e11a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/12d3ded7672d4b079355fc901fd2ffcb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/77f2abae8db64e9b8cef74109cc6703f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f50987d9a148414a9bca7c044189c4e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c2f869da5b14e8b896b0fcf84f89478.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41858.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm139786/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm139786/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM3TM139786.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM139786.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM139786.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm139786/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4733, VIN 3VVGR7RM3TM139786. Advertised price: $41,858. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$41,858"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41858.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM139786_finance_60", "type": "finance_60", "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": 41858.0, "price_incl_doc": 41858.0, "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": 849.3, "amount_financed": 44474.13, "sales_tax": 2616.13, "total_of_payments": 50958.14, "finance_charge": 6484.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4733, VIN 3VVGR7RM3TM139786. $849 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,858, before any dealer documentation fee. Amount financed $44,474, including $2,616 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,958. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM139786_finance_72", "type": "finance_72", "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": 41858.0, "price_incl_doc": 41858.0, "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": 736.85, "amount_financed": 44474.13, "sales_tax": 2616.13, "total_of_payments": 53053.55, "finance_charge": 8579.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4733, VIN 3VVGR7RM3TM139786. $737 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,858, before any dealer documentation fee. Amount financed $44,474, including $2,616 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM139786_finance_84", "type": "finance_84", "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": 41858.0, "price_incl_doc": 41858.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 660.2, "amount_financed": 44474.13, "sales_tax": 2616.13, "total_of_payments": 55456.84, "finance_charge": 10982.71, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4733, VIN 3VVGR7RM3TM139786. $660 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,858, before any dealer documentation fee. Amount financed $44,474, including $2,616 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,457. 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_3VVGR7RM3TM139786_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41858.0, "selling_price": 41858.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 598.52, "net_cap_cost": 42533.0, "residual_value": 25951.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 598.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 758.52}, "total_of_payments": 21564, "total_of_payments_unrounded": 21546.72}, "disclosure": "Estimated lease payment for stock #W4733, VIN 3VVGR7RM3TM139786. $599 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $759, made up of $599 first payment, $60 title, $100 registration. MSRP $41,858. Lease selling price $41,858. Net capitalized cost $42,533. Residual value $25,952, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,564. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM139786_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": 41858.0, "selling_price": 41858.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 505.23, "net_cap_cost": 39534.0, "residual_value": 25951.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 505.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3664.23}, "total_of_payments": 18180, "total_of_payments_unrounded": 18188.28}, "disclosure": "Estimated lease payment for stock #W4733, VIN 3VVGR7RM3TM139786. $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 $41,858. Lease selling price $41,858. Net capitalized cost $39,534. Residual value $25,952, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 202}}, {"vin": "3VW7W7BU2TM034834", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27688.0, "msrp": 29840.0, "sale_price": 27688.0, "currency": "USD", "mileage": 14, "exterior_color": "Opal White Pearl", "interior_color": "Atlantic Blue/Storm Gray", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu2tm034834/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU2TM034834.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU2TM034834.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU2TM034834.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu2tm034834/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,152. This offer applies to Stock #W4362, VIN 3VW7W7BU2TM034834. 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: $29,840. Advertised price: $27,688. Savings: $2,152, 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": "$29,840"}, {"label": "Advertised price", "value": "$27,688"}, {"label": "Savings", "value": "$2,152, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,152", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27688.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU2TM034834_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": 27688.0, "price_incl_doc": 27688.0, "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": 561.79, "amount_financed": 29418.5, "sales_tax": 1730.5, "total_of_payments": 33707.51, "finance_charge": 4289.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4362, VIN 3VW7W7BU2TM034834. $562 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,688, before any dealer documentation fee. Amount financed $29,418, including $1,730 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,708. 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_3VW7W7BU2TM034834_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": 27688.0, "price_incl_doc": 27688.0, "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": 487.41, "amount_financed": 29418.5, "sales_tax": 1730.5, "total_of_payments": 35093.57, "finance_charge": 5675.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4362, VIN 3VW7W7BU2TM034834. $487 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,688, before any dealer documentation fee. Amount financed $29,418, including $1,730 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,094. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU2TM034834_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": 27688.0, "price_incl_doc": 27688.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 436.71, "amount_financed": 29418.5, "sales_tax": 1730.5, "total_of_payments": 36683.28, "finance_charge": 7264.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4362, VIN 3VW7W7BU2TM034834. $437 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,688, before any dealer documentation fee. Amount financed $29,418, including $1,730 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,683. 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_3VW7W7BU2TM034834_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 29840.0, "selling_price": 27688.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 365.76, "net_cap_cost": 28363.0, "residual_value": 18500.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 365.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 525.76}, "total_of_payments": 13176, "total_of_payments_unrounded": 13167.36}, "disclosure": "Estimated lease payment for stock #W4362, VIN 3VW7W7BU2TM034834. $366 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $526, made up of $366 first payment, $60 title, $100 registration. MSRP $29,840. Lease selling price $27,688. Net capitalized cost $28,363. Residual value $18,501, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW7W7BU2TM034834_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29840.0, "selling_price": 27688.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 272.47, "net_cap_cost": 25364.0, "residual_value": 18500.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 272.47, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3431.47}, "total_of_payments": 9792, "total_of_payments_unrounded": 9808.92}, "disclosure": "Estimated lease payment for stock #W4362, VIN 3VW7W7BU2TM034834. $272 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,431, made up of $272 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,840. Lease selling price $27,688. Net capitalized cost $25,364. Residual value $18,501, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,792. 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"}], "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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A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,576"}, {"label": "Advertised price", "value": "$32,159"}, {"label": "Savings", "value": "$2,417, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,417", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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_3VVVC7B29TM040603_finance_84", "type": "finance_84", "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": 32159.0, "price_incl_doc": 32159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.22, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 42606.82, "finance_charge": 8437.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4352, VIN 3VVVC7B29TM040603. $507 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,607. 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_3VVVC7B29TM040603_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.86, "net_cap_cost": 32834.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.86}, "total_of_payments": 15228, "total_of_payments_unrounded": 15222.96}, "disclosure": "Estimated lease payment for stock #W4352, VIN 3VVVC7B29TM040603. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $32,834. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B29TM040603_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.57, "net_cap_cost": 29835.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.57}, "total_of_payments": 11880, "total_of_payments_unrounded": 11864.52}, "disclosure": "Estimated lease payment for stock #W4352, VIN 3VVVC7B29TM040603. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $29,835. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 191}}, {"vin": "5NMP5DGL7TH167242", "title": "2026 Hyundai Santa Fe Calligraphy", "year": 2026, "make": "Hyundai", "model": "Santa Fe", "trim": "Calligraphy", "decoded_trim": "Calligraphy", "condition": "used", "price": 39902.0, "msrp": 39902.0, "sale_price": 38703.0, "currency": "USD", "mileage": 9214, "exterior_color": "Hampton 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": "PHD0988", "stock_status": "Available", "availability": "In 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"https://www.castlevwdownersgrove.com/viewdetails/used/5nmp5dgl7th167242/2026-hyundai-santa-fe-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMP5DGL7TH167242.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMP5DGL7TH167242.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMP5DGL7TH167242.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp5dgl7th167242/2026-hyundai-santa-fe-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PHD0988, VIN 5NMP5DGL7TH167242. Advertised price: $39,902. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$39,902"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39902.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP5DGL7TH167242_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 995, "unit": "per_month", "display": "$995/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39902.0, "price_incl_doc": 39902.0, "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": 995.47, "amount_financed": 42395.88, "sales_tax": 2493.88, "total_of_payments": 47782.76, "finance_charge": 5386.88, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0988, VIN 5NMP5DGL7TH167242. $995 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,902, before any dealer documentation fee. Amount financed $42,396, including $2,494 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,783. 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_5NMP5DGL7TH167242_finance_60", "type": "finance_60", "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": 39902.0, "price_incl_doc": 39902.0, "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": 829.33, "amount_financed": 42395.88, "sales_tax": 2493.88, "total_of_payments": 49759.53, "finance_charge": 7363.65, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0988, VIN 5NMP5DGL7TH167242. $829 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,902, before any dealer documentation fee. Amount financed $42,396, including $2,494 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP5DGL7TH167242_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": 39902.0, "price_incl_doc": 39902.0, "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": 722.6, "amount_financed": 42395.88, "sales_tax": 2493.88, "total_of_payments": 52027.49, "finance_charge": 9631.61, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0988, VIN 5NMP5DGL7TH167242. $723 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,902, before any dealer documentation fee. Amount financed $42,396, including $2,494 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $52,027. 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"}], "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": 137}}, {"vin": "3VVGR7RM3TM124513", "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": "new", "price": 42017.0, "msrp": 42017.0, "sale_price": 38500.0, "currency": "USD", "mileage": 5, "exterior_color": "Monterey Blue w/Deep Black Roof", "interior_color": "Grigio & 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": "W4688", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/778d8e413cf64a7b8c596010df4f08c7.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/778d8e413cf64a7b8c596010df4f08c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/151bf43b582b4efe8a29307e1f960b83.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ffe68e04ce5456ea6a05e7f4cb98db2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0e6cbad8cf914ad986e466b4f901c7b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28bdf0d0a89c4ab9acb2ca461261e923.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b81eea4751e741b7b2da35ea3f63677c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/67525fedc4f049ba9a4fd53cc0ae0a60.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "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": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42017.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm124513/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm124513/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM3TM124513.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM124513.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM124513.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm124513/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4688, VIN 3VVGR7RM3TM124513. Advertised price: $42,017. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$42,017"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42017.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM124513_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": 42017.0, "price_incl_doc": 42017.0, "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": 852.53, "amount_financed": 44643.06, "sales_tax": 2626.06, "total_of_payments": 51151.7, "finance_charge": 6508.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4688, VIN 3VVGR7RM3TM124513. $853 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,017, before any dealer documentation fee. Amount financed $44,643, including $2,626 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,152. 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_3VVGR7RM3TM124513_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": 42017.0, "price_incl_doc": 42017.0, "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": 739.65, "amount_financed": 44643.06, "sales_tax": 2626.06, "total_of_payments": 53255.07, "finance_charge": 8612.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4688, VIN 3VVGR7RM3TM124513. $740 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,017, before any dealer documentation fee. Amount financed $44,643, including $2,626 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,255. 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_3VVGR7RM3TM124513_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": 42017.0, "price_incl_doc": 42017.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 662.71, "amount_financed": 44643.06, "sales_tax": 2626.06, "total_of_payments": 55667.49, "finance_charge": 11024.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4688, VIN 3VVGR7RM3TM124513. $663 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,017, before any dealer documentation fee. Amount financed $44,643, including $2,626 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,667. 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_3VVGR7RM3TM124513_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42017.0, "selling_price": 42017.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 600.71, "net_cap_cost": 42692.0, "residual_value": 26050.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 600.71, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 760.71}, "total_of_payments": 21636, "total_of_payments_unrounded": 21625.56}, "disclosure": "Estimated lease payment for stock #W4688, VIN 3VVGR7RM3TM124513. $601 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $761, made up of $601 first payment, $60 title, $100 registration. MSRP $42,017. Lease selling price $42,017. Net capitalized cost $42,692. Residual value $26,051, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,636. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM124513_lease", "type": "lease", "label": "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": 42017.0, "selling_price": 42017.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 507.42, "net_cap_cost": 39693.0, "residual_value": 26050.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 507.42, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3666.42}, "total_of_payments": 18252, "total_of_payments_unrounded": 18267.12}, "disclosure": "Estimated lease payment for stock #W4688, VIN 3VVGR7RM3TM124513. $507 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,666, made up of $507 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,017. Lease selling price $42,017. Net capitalized cost $39,693. Residual value $26,051, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 187}}, {"vin": "5NMJBCDE2RH346215", "title": "2024 Hyundai Tucson SEL", "year": 2024, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL", "condition": "used", "price": 23810.0, "msrp": 23810.0, "sale_price": 23814.0, "currency": "USD", "mileage": 47585, "exterior_color": "Dark Gray Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": 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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": 32399.0, "price_incl_doc": 32399.0, "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": 673.38, "amount_financed": 34423.94, "sales_tax": 2024.94, "total_of_payments": 40402.96, "finance_charge": 5979.02, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260321A, VIN W1KAF4HB5PR141335. $673 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,399, before any dealer documentation fee. Amount financed $34,424, including $2,025 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,403. 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": 32399.0, "price_incl_doc": 32399.0, "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": 586.73, "amount_financed": 34423.94, "sales_tax": 2024.94, "total_of_payments": 42244.47, "finance_charge": 7820.53, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260321A, VIN W1KAF4HB5PR141335. $587 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,399, before any dealer documentation fee. Amount financed $34,424, including $2,025 estimated sales tax at 6.25%. That is $17.04 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"}], "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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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7M7BU2RM003629_finance_48", "type": "finance_48", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19999.0, "price_incl_doc": 19999.0, "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": 498.93, "amount_financed": 21248.94, "sales_tax": 1249.94, "total_of_payments": 23948.86, "finance_charge": 2699.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1028, VIN 3VW7M7BU2RM003629. $499 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,999, before any dealer documentation fee. Amount financed $21,249, including $1,250 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,949. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7M7BU2RM003629_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19999.0, "price_incl_doc": 19999.0, "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": 415.66, "amount_financed": 21248.94, "sales_tax": 1249.94, "total_of_payments": 24939.62, "finance_charge": 3690.68, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1028, VIN 3VW7M7BU2RM003629. $416 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,999, before any dealer documentation fee. Amount financed $21,249, including $1,250 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,940. 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_3VW7M7BU2RM003629_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 362, "unit": "per_month", "display": "$362/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19999.0, "price_incl_doc": 19999.0, "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": 362.17, "amount_financed": 21248.94, "sales_tax": 1249.94, "total_of_payments": 26076.33, "finance_charge": 4827.39, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1028, VIN 3VW7M7BU2RM003629. $362 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,999, before any dealer documentation fee. Amount financed $21,249, including $1,250 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,076. 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. 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": 152}}, {"vin": "3VV2C7B28TM056763", "title": "2026 Volkswagen Taos SE Black", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE Black", "decoded_trim": "4Motion SE Black", "condition": "new", "price": 33338.0, "msrp": 35669.0, "sale_price": 33338.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4460", "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 $2,331. This offer applies to Stock #W4460, VIN 3VV2C7B28TM056763. 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: $35,669. Advertised price: $33,338. Savings: $2,331, 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": "$35,669"}, {"label": "Advertised price", "value": "$33,338"}, {"label": "Savings", "value": "$2,331, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,331", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33338.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B28TM056763_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": 33338.0, "price_incl_doc": 33338.0, "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": 676.43, "amount_financed": 35421.63, "sales_tax": 2083.63, "total_of_payments": 40585.85, "finance_charge": 5164.22, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4460, VIN 3VV2C7B28TM056763. $676 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,338, before any dealer documentation fee. Amount financed $35,422, including $2,084 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,586. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B28TM056763_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": 33338.0, "price_incl_doc": 33338.0, "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": 586.87, "amount_financed": 35421.63, "sales_tax": 2083.63, "total_of_payments": 42254.75, "finance_charge": 6833.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4460, VIN 3VV2C7B28TM056763. $587 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,338, before any dealer documentation fee. Amount financed $35,422, including $2,084 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,255. 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_3VV2C7B28TM056763_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": 33338.0, "price_incl_doc": 33338.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 525.82, "amount_financed": 35421.63, "sales_tax": 2083.63, "total_of_payments": 44168.86, "finance_charge": 8747.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4460, VIN 3VV2C7B28TM056763. $526 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,338, before any dealer documentation fee. Amount financed $35,422, including $2,084 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,169. 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_3VV2C7B28TM056763_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 35669.0, "selling_price": 33338.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 440.62, "net_cap_cost": 34013.0, "residual_value": 22114.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 440.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 600.62}, "total_of_payments": 15876, "total_of_payments_unrounded": 15862.32}, "disclosure": "Estimated lease payment for stock #W4460, VIN 3VV2C7B28TM056763. $441 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $601, made up of $441 first payment, $60 title, $100 registration. MSRP $35,669. Lease selling price $33,338. Net capitalized cost $34,013. Residual value $22,115, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VV2C7B28TM056763_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35669.0, "selling_price": 33338.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 347.32, "net_cap_cost": 31014.0, "residual_value": 22114.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 347.32, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3506.32}, "total_of_payments": 12492, "total_of_payments_unrounded": 12503.52}, "disclosure": "Estimated lease payment for stock #W4460, VIN 3VV2C7B28TM056763. $347 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,506, made up of $347 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,669. Lease selling price $33,338. Net capitalized cost $31,014. Residual value $22,115, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,492. 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"}], "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": 196}}, {"vin": "1V2LN2CA9TC588271", "title": "2026 Volkswagen Atlas 2.0T SE", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 44375.0, "msrp": 44375.0, "sale_price": 39641.0, "currency": "USD", "mileage": 7, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4656", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 44375.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca9tc588271/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca9tc588271/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2LN2CA9TC588271.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA9TC588271.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA9TC588271.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca9tc588271/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4656, VIN 1V2LN2CA9TC588271. Advertised price: $44,375. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$44,375"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44375.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CA9TC588271_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 900, "unit": "per_month", "display": "$900/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44375.0, "price_incl_doc": 44375.0, "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": 900.37, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 54022.34, "finance_charge": 6873.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4656, VIN 1V2LN2CA9TC588271. $900 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,022. 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_1V2LN2CA9TC588271_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44375.0, "price_incl_doc": 44375.0, "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": 781.16, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 56243.76, "finance_charge": 9095.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4656, VIN 1V2LN2CA9TC588271. $781 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,244. 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_1V2LN2CA9TC588271_finance_84", "type": "finance_84", "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": 44375.0, "price_incl_doc": 44375.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.9, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 58791.56, "finance_charge": 11643.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4656, VIN 1V2LN2CA9TC588271. $700 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,792. 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"}, {"offer_id": "of_1V2LN2CA9TC588271_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44375.0, "selling_price": 44375.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 633.25, "net_cap_cost": 45050.0, "residual_value": 27512.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 633.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 793.25}, "total_of_payments": 22788, "total_of_payments_unrounded": 22797.0}, "disclosure": "Estimated lease payment for stock #W4656, VIN 1V2LN2CA9TC588271. $633 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $793, made up of $633 first payment, $60 title, $100 registration. MSRP $44,375. Lease selling price $44,375. Net capitalized cost $45,050. Residual value $27,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA9TC588271_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": 44375.0, "selling_price": 44375.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 539.95, "net_cap_cost": 42051.0, "residual_value": 27512.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 539.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3698.95}, "total_of_payments": 19440, "total_of_payments_unrounded": 19438.2}, "disclosure": "Estimated lease payment for stock #W4656, VIN 1V2LN2CA9TC588271. $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 $44,375. Lease selling price $44,375. Net capitalized cost $42,051. Residual value $27,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 195}}, {"vin": "1V2HN2CAXTC586017", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 48697.0, "msrp": 48697.0, "sale_price": 43926.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White Pearl", "interior_color": "Shetland Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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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": "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 #W4661, VIN 1V2HN2CAXTC586017. Advertised price: $48,697. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$48,697"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CAXTC586017_finance_60", "type": "finance_60", "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": 48697.0, "price_incl_doc": 48697.0, "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": 988.07, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 59283.96, "finance_charge": 7543.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4661, VIN 1V2HN2CAXTC586017. $988 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,284. 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_1V2HN2CAXTC586017_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 857, "unit": "per_month", "display": "$857/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48697.0, "price_incl_doc": 48697.0, "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": 857.25, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 61721.73, "finance_charge": 9981.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4661, VIN 1V2HN2CAXTC586017. $857 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,722. 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_1V2HN2CAXTC586017_finance_84", "type": "finance_84", "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": 48697.0, "price_incl_doc": 48697.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 768.07, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 64517.69, "finance_charge": 12777.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4661, VIN 1V2HN2CAXTC586017. $768 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,518. 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_1V2HN2CAXTC586017_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": 48697.0, "selling_price": 48697.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 692.88, "net_cap_cost": 49372.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 692.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 852.88}, "total_of_payments": 24948, "total_of_payments_unrounded": 24943.68}, "disclosure": "Estimated lease payment for stock #W4661, VIN 1V2HN2CAXTC586017. $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 $48,697. Lease selling price $48,697. Net capitalized cost $49,372. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CAXTC586017_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": 48697.0, "selling_price": 48697.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 599.59, "net_cap_cost": 46373.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 599.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3758.59}, "total_of_payments": 21600, "total_of_payments_unrounded": 21585.24}, "disclosure": "Estimated lease payment for stock #W4661, VIN 1V2HN2CAXTC586017. $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 $48,697. Lease selling price $48,697. Net capitalized cost $46,373. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 193}}, {"vin": "WAUEFBF23PN008385", "title": "2023 Audi S6 Sedan Premium Plus", "year": 2023, "make": "Audi", "model": "S6 Sedan", "trim": "Premium Plus", "decoded_trim": "quattro Premium Plus", "condition": "used", "price": 49999.0, "msrp": 49999.0, "sale_price": 50470.0, "currency": "USD", "mileage": 40602, "exterior_color": "Mythos Black Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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"monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wauefbf23pn008385/2023-audi-s6-sedan-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WAUEFBF23PN008385.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WAUEFBF23PN008385.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WAUEFBF23PN008385.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wauefbf23pn008385/2023-audi-s6-sedan-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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: $49,999. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$49,999"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49999.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1247, "unit": "per_month", "display": "$1,247/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49999.0, "price_incl_doc": 49999.0, "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": 1247.37, "amount_financed": 53123.94, "sales_tax": 3124.94, "total_of_payments": 59873.94, "finance_charge": 6750.0, "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. $1,247 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $49,999, before any dealer documentation fee. Amount financed $53,124, including $3,125 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $59,874. 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_WAUEFBF23PN008385_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1039, "unit": "per_month", "display": "$1,039/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49999.0, "price_incl_doc": 49999.0, "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": 1039.18, "amount_financed": 53123.94, "sales_tax": 3124.94, "total_of_payments": 62350.92, "finance_charge": 9226.98, "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. $1,039 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $49,999, before any dealer documentation fee. Amount financed $53,124, including $3,125 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $62,351. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 905, "unit": "per_month", "display": "$905/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49999.0, "price_incl_doc": 49999.0, "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": 905.46, "amount_financed": 53123.94, "sales_tax": 3124.94, "total_of_payments": 65192.78, "finance_charge": 12068.84, "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. $905 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $49,999, before any dealer documentation fee. Amount financed $53,124, including $3,125 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $65,193. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 147}}, {"vin": "3VWBW7BU7TM001886", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 26877.0, "msrp": 26877.0, "sale_price": 24926.0, "currency": "USD", "mileage": 9, "exterior_color": "Platinum Gray Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4104", "stock_status": "Available", "availability": "In Stock", 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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu7tm001886/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU7TM001886.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU7TM001886.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU7TM001886.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu7tm001886/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #W4104, VIN 3VWBW7BU7TM001886. Advertised price: $26,877. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$26,877"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26877.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU7TM001886_finance_60", "type": "finance_60", "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": 26877.0, "price_incl_doc": 26877.0, "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": 545.34, "amount_financed": 28556.81, "sales_tax": 1679.81, "total_of_payments": 32720.19, "finance_charge": 4163.38, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4104, VIN 3VWBW7BU7TM001886. $545 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,877, before any dealer documentation fee. Amount financed $28,557, including $1,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,720. 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_3VWBW7BU7TM001886_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": 26877.0, "price_incl_doc": 26877.0, "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": 473.13, "amount_financed": 28556.81, "sales_tax": 1679.81, "total_of_payments": 34065.65, "finance_charge": 5508.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4104, VIN 3VWBW7BU7TM001886. $473 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,877, before any dealer documentation fee. Amount financed $28,557, including $1,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,066. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU7TM001886_finance_84", "type": "finance_84", "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": 26877.0, "price_incl_doc": 26877.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 423.91, "amount_financed": 28556.81, "sales_tax": 1679.81, "total_of_payments": 35608.8, "finance_charge": 7051.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4104, VIN 3VWBW7BU7TM001886. $424 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,877, before any dealer documentation fee. Amount financed $28,557, including $1,680 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,609. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU7TM001886_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 26877.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 391.82, "net_cap_cost": 27552.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 551.82}, "total_of_payments": 14112, "total_of_payments_unrounded": 14105.52}, "disclosure": "Estimated lease payment for stock #W4104, VIN 3VWBW7BU7TM001886. $392 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $552, made up of $392 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $26,877. Net capitalized cost $27,552. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU7TM001886_lease", "type": "lease", "label": "Lease", "headline": {"value": 299, "unit": "per_month", "display": "$299/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26877.0, "selling_price": 26877.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 298.53, "net_cap_cost": 24553.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 298.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3457.53}, "total_of_payments": 10764, "total_of_payments_unrounded": 10747.08}, "disclosure": "Estimated lease payment for stock #W4104, VIN 3VWBW7BU7TM001886. $299 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,458, made up of $299 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,877. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,445"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25445.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CAF9PG081872_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": 25445.0, "price_incl_doc": 25445.0, "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": 634.8, "amount_financed": 27035.31, "sales_tax": 1590.31, "total_of_payments": 30470.45, "finance_charge": 3435.14, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260984A, VIN 5XYK6CAF9PG081872. $635 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,445, before any dealer documentation fee. Amount financed $27,035, including $1,590 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,470. 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_5XYK6CAF9PG081872_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": 25445.0, "price_incl_doc": 25445.0, "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": 528.85, "amount_financed": 27035.31, "sales_tax": 1590.31, "total_of_payments": 31731.02, "finance_charge": 4695.71, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260984A, VIN 5XYK6CAF9PG081872. $529 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,445, before any dealer documentation fee. Amount financed $27,035, including $1,590 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,731. 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_5XYK6CAF9PG081872_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": 25445.0, "price_incl_doc": 25445.0, "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": 460.8, "amount_financed": 27035.31, "sales_tax": 1590.31, "total_of_payments": 33177.27, "finance_charge": 6141.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260984A, VIN 5XYK6CAF9PG081872. $461 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,445, before any dealer documentation fee. Amount financed $27,035, including $1,590 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,177. 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": 23245.0, "price_incl_doc": 23245.0, "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": 579.92, "amount_financed": 24697.81, "sales_tax": 1452.81, "total_of_payments": 27835.95, "finance_charge": 3138.14, "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. $580 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,245, before any dealer documentation fee. Amount financed $24,698, including $1,453 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,836. 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_3VVGR7RM2TM134837_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41463.0, "price_incl_doc": 41463.0, "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": 729.9, "amount_financed": 44054.44, "sales_tax": 2591.44, "total_of_payments": 52552.9, "finance_charge": 8498.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4720, VIN 3VVGR7RM2TM134837. $730 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,463, before any dealer documentation fee. Amount financed $44,054, including $2,591 estimated sales tax at 6.25%. That is $16.57 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM2TM134837_finance_84", "type": "finance_84", "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": 41463.0, "price_incl_doc": 41463.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.97, "amount_financed": 44054.44, "sales_tax": 2591.44, "total_of_payments": 54933.51, "finance_charge": 10879.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4720, VIN 3VVGR7RM2TM134837. $654 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,463, before any dealer documentation fee. Amount financed $44,054, including $2,591 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,934. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM2TM134837_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": 41463.0, "selling_price": 41463.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 593.07, "net_cap_cost": 42138.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 593.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 753.07}, "total_of_payments": 21348, "total_of_payments_unrounded": 21350.52}, "disclosure": "Estimated lease payment for stock #W4720, VIN 3VVGR7RM2TM134837. $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 $41,463. Lease selling price $41,463. Net capitalized cost $42,138. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM2TM134837_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": 41463.0, "selling_price": 41463.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 499.78, "net_cap_cost": 39139.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 499.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3658.78}, "total_of_payments": 18000, "total_of_payments_unrounded": 17992.08}, "disclosure": "Estimated lease payment for stock #W4720, VIN 3VVGR7RM2TM134837. $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 $41,463. Lease selling price $41,463. Net capitalized cost $39,139. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 140}}, {"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": 22162.0, "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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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 22162.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/3vvnx7b22pm310460/2023-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/3vvnx7b22pm310460/2023-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVNX7B22PM310460.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 #PDV0985, VIN 3VVNX7B22PM310460. Advertised price: $22,162. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$22,162"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22162.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 22162.0, "price_incl_doc": 22162.0, "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": 552.9, "amount_financed": 23547.13, "sales_tax": 1385.13, "total_of_payments": 26539.06, "finance_charge": 2991.93, "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. $553 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,162, before any dealer documentation fee. Amount financed $23,547, including $1,385 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,539. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 22162.0, "price_incl_doc": 22162.0, "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": 460.62, "amount_financed": 23547.13, "sales_tax": 1385.13, "total_of_payments": 27636.98, "finance_charge": 4089.85, "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. $461 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,162, before any dealer documentation fee. Amount financed $23,547, including $1,385 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,637. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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 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": 70751.0, "price_incl_doc": 70751.0, "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": 1765.09, "amount_financed": 75172.94, "sales_tax": 4421.94, "total_of_payments": 84724.51, "finance_charge": 9551.57, "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. $1,765 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $70,751, before any dealer documentation fee. Amount financed $75,173, including $4,422 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $84,725. 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_5YJSA1E65PF498507_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1470, "unit": "per_month", "display": "$1,470/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": 70751.0, "price_incl_doc": 70751.0, "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": 1470.49, "amount_financed": 75172.94, "sales_tax": 4421.94, "total_of_payments": 88229.57, "finance_charge": 13056.63, "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. $1,470 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $70,751, before any dealer documentation fee. Amount financed $75,173, including $4,422 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $88,230. 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_5YJSA1E65PF498507_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1281, "unit": "per_month", "display": "$1,281/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 70751.0, "price_incl_doc": 70751.0, "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": 1281.26, "amount_financed": 75172.94, "sales_tax": 4421.94, "total_of_payments": 92250.94, "finance_charge": 17078.0, "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. $1,281 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $70,751, before any dealer documentation fee. Amount financed $75,173, including $4,422 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $92,251. 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"}], "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": 83}}, {"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": null, "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16179.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8J23A46KU915802_finance_48", "type": "finance_48", "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": 16179.0, "price_incl_doc": 16179.0, "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": 403.63, "amount_financed": 17190.19, "sales_tax": 1011.19, "total_of_payments": 19374.4, "finance_charge": 2184.21, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260688B, VIN KM8J23A46KU915802. $404 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,179, before any dealer documentation fee. Amount financed $17,190, including $1,011 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $19,374. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8J23A46KU915802_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 336, "unit": "per_month", "display": "$336/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16179.0, "price_incl_doc": 16179.0, "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": 336.27, "amount_financed": 17190.19, "sales_tax": 1011.19, "total_of_payments": 20175.92, "finance_charge": 2985.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260688B, VIN KM8J23A46KU915802. $336 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,179, before any dealer documentation fee. Amount financed $17,190, including $1,011 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,176. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8J23A46KU915802_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 293, "unit": "per_month", "display": "$293/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16179.0, "price_incl_doc": 16179.0, "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": 292.99, "amount_financed": 17190.19, "sales_tax": 1011.19, "total_of_payments": 21095.5, "finance_charge": 3905.31, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260688B, VIN KM8J23A46KU915802. $293 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,179, before any dealer documentation fee. Amount financed $17,190, including $1,011 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,096. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 82}}, {"vin": "1V2CR2CA4RC573027", "title": "2024 Volkswagen Atlas 2.0T Peak Edition SE w/Technology", "year": 2024, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition SE w/Technology", "decoded_trim": "4Motion Peak Edition SE", "condition": "used", "price": 33994.0, "msrp": 33994.0, "sale_price": 33920.0, "currency": "USD", "mileage": 28289, "exterior_color": "Deep Black", "interior_color": "Titan Black w/Orange", "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": 18, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,994"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33994.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CR2CA4RC573027_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 848, "unit": "per_month", "display": "$848/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33994.0, "price_incl_doc": 33994.0, "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": 848.08, "amount_financed": 36118.63, "sales_tax": 2124.63, "total_of_payments": 40707.91, "finance_charge": 4589.28, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0882A, VIN 1V2CR2CA4RC573027. $848 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,994, before any dealer documentation fee. Amount financed $36,119, including $2,125 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,708. 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_1V2CR2CA4RC573027_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": 33994.0, "price_incl_doc": 33994.0, "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": 706.53, "amount_financed": 36118.63, "sales_tax": 2124.63, "total_of_payments": 42392.0, "finance_charge": 6273.37, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0882A, VIN 1V2CR2CA4RC573027. $707 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,994, before any dealer documentation fee. Amount financed $36,119, including $2,125 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,392. 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_1V2CR2CA4RC573027_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": 33994.0, "price_incl_doc": 33994.0, "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": 615.61, "amount_financed": 36118.63, "sales_tax": 2124.63, "total_of_payments": 44324.16, "finance_charge": 8205.53, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0882A, VIN 1V2CR2CA4RC573027. $616 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,994, before any dealer documentation fee. Amount financed $36,119, including $2,125 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,324. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 23, "elapsed_ms": 87}}, {"vin": "3VVUW7RM7TM130231", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 45803.0, "msrp": 45803.0, "sale_price": 44629.0, "currency": "USD", "mileage": 5, "exterior_color": "Sandstone", "interior_color": "Grigio & 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": 29, "range_miles": null, "battery_kwh": null, "stock_number": "W4721", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/b27d1ddd9b2b45428bf8059b69c2cd67.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b27d1ddd9b2b45428bf8059b69c2cd67.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a532eef0646f41dca1bc58f214369316.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f7641791b88f49269b08c982a84290d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c0cb146f67484859b44c8cf7f65f6576.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8111154361fe4594b8806bddcb63af27.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/138bb2cc4bd44a30a8ebdd81b5bd95e7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3888fcfbc7e47ecb920dd87781ef611.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SEL R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45803.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm7tm130231/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm7tm130231/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM7TM130231.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM7TM130231.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM7TM130231.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm7tm130231/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4721, VIN 3VVUW7RM7TM130231. Advertised price: $45,803. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$45,803"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45803.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM7TM130231_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": 45803.0, "price_incl_doc": 45803.0, "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": 929.35, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 55760.8, "finance_charge": 7095.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4721, VIN 3VVUW7RM7TM130231. $929 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,761. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM7TM130231_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45803.0, "price_incl_doc": 45803.0, "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": 806.3, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 58053.7, "finance_charge": 9388.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4721, VIN 3VVUW7RM7TM130231. $806 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM7TM130231_finance_84", "type": "finance_84", "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": 45803.0, "price_incl_doc": 45803.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 722.42, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 60683.49, "finance_charge": 12017.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4721, VIN 3VVUW7RM7TM130231. $722 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,683. 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_3VVUW7RM7TM130231_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 45803.0, "selling_price": 45803.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.95, "net_cap_cost": 46478.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.95}, "total_of_payments": 23508, "total_of_payments_unrounded": 23506.2}, "disclosure": "Estimated lease payment for stock #W4721, VIN 3VVUW7RM7TM130231. $653 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $813, made up of $653 first payment, $60 title, $100 registration. MSRP $45,803. Lease selling price $45,803. Net capitalized cost $46,478. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVUW7RM7TM130231_lease", "type": "lease", "label": "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": 45803.0, "selling_price": 45803.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 559.66, "net_cap_cost": 43479.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 559.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3718.66}, "total_of_payments": 20160, "total_of_payments_unrounded": 20147.76}, "disclosure": "Estimated lease payment for stock #W4721, VIN 3VVUW7RM7TM130231. $560 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,719, made up of $560 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,803. Lease selling price $45,803. Net capitalized cost $43,479. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 119}}, {"vin": "KMHL24JJ4TA141119", "title": "2026 Hyundai Sonata Hybrid Blue", "year": 2026, "make": "Hyundai", "model": "Sonata Hybrid", "trim": "Blue", "decoded_trim": "Blue", "condition": "used", "price": 26988.0, "msrp": 26988.0, "sale_price": 26989.0, "currency": "USD", "mileage": 9, "exterior_color": "Serenity White", "interior_color": "Gray", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas/Electric I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "6-Speed Automatic w/OD", "mpg_city": 47, "mpg_hwy": 56, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260254", "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/2000157/2065512/0x0/74193c64e5e146fda1c2b281bffa6172.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/74193c64e5e146fda1c2b281bffa6172.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a53d5974025f420f9684c47579780a51.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6912d0f3eed445318b254b5a07af5aab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f78d7a622e664d5d9402cfb0a457f5f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/67d8b7672f23405e9d5297f203836986.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bdaef3124dd047bfa8a780fa863b94c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/467d3da77cb64d33a183c7816639b84e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f2a405d023f41a587713df5a6b6f0e2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fa9c121df9143cbbffca4dac14b826a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21c666427c3e4d48986b47cb2f9f91c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a00c1617e7cd4f1596ee935e489e8fdb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/135d73057bde49c19007edb04736ecc4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a918fc7ab3d14dddb420fda4e85fde81.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c223542a9a3e48afaf0be620de804f2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e398c394ced64b7a825a8a3b42f32d9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c1bd2927e2f421abe82d629a397371c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dc3bd0add93d4ed6a69ed49a2db68714.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/01dee13b6abc45bfb0766c8f63313042.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c512104b880f42d786b4c94f9baa6c6b.jpg"], "vin_decode": {"make": "Hyundai", "model": "Sonata", "year": 2026, "trim": "Blue", "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": 26988.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/KMHL24JJ4TA141119.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmhl24jj4ta141119/2026-hyundai-sonata-hybrid-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmhl24jj4ta141119/2026-hyundai-sonata-hybrid-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KMHL24JJ4TA141119.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KMHL24JJ4TA141119.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KMHL24JJ4TA141119.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmhl24jj4ta141119/2026-hyundai-sonata-hybrid-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #LHD260254, VIN KMHL24JJ4TA141119. Advertised price: $26,988. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$26,988"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26988.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHL24JJ4TA141119_finance_48", "type": "finance_48", "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": 26988.0, "price_incl_doc": 26988.0, "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": 673.3, "amount_financed": 28674.75, "sales_tax": 1686.75, "total_of_payments": 32318.2, "finance_charge": 3643.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260254, VIN KMHL24JJ4TA141119. $673 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,988, before any dealer documentation fee. Amount financed $28,675, including $1,687 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,318. 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_KMHL24JJ4TA141119_finance_60", "type": "finance_60", "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": 26988.0, "price_incl_doc": 26988.0, "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": 560.92, "amount_financed": 28674.75, "sales_tax": 1686.75, "total_of_payments": 33655.21, "finance_charge": 4980.46, "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. $561 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,988, before any dealer documentation fee. Amount financed $28,675, including $1,687 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,655. 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_KMHL24JJ4TA141119_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": 26988.0, "price_incl_doc": 26988.0, "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": 488.74, "amount_financed": 28674.75, "sales_tax": 1686.75, "total_of_payments": 35189.16, "finance_charge": 6514.41, "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. $489 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,988, before any dealer documentation fee. Amount financed $28,675, including $1,687 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMUMCDTC9PU083403_finance_48", "type": "finance_48", "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": 42351.0, "price_incl_doc": 42351.0, "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": 1056.57, "amount_financed": 44997.94, "sales_tax": 2646.94, "total_of_payments": 50715.44, "finance_charge": 5717.5, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260538A, VIN KMUMCDTC9PU083403. $1,057 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,351, before any dealer documentation fee. Amount financed $44,998, including $2,647 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $50,715. 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_KMUMCDTC9PU083403_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42351.0, "price_incl_doc": 42351.0, "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": 880.23, "amount_financed": 44997.94, "sales_tax": 2646.94, "total_of_payments": 52813.54, "finance_charge": 7815.6, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260538A, VIN KMUMCDTC9PU083403. $880 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $42,351, before any dealer documentation fee. Amount financed $44,998, including $2,647 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $52,814. 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_KMUMCDTC9PU083403_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": 42351.0, "price_incl_doc": 42351.0, "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": 766.95, "amount_financed": 44997.94, "sales_tax": 2646.94, "total_of_payments": 55220.7, "finance_charge": 10222.76, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260538A, VIN KMUMCDTC9PU083403. $767 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $42,351, before any dealer documentation fee. Amount financed $44,998, including $2,647 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $55,221. 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"}], "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": 81}}, {"vin": "3VVMR7RMXTM138301", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 38786.0, "msrp": 38786.0, "sale_price": 35241.0, "currency": "USD", "mileage": 5, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Grigio & 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": "W4723", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/90e5e06224d745f9be6f5ea27eefcc1e.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/90e5e06224d745f9be6f5ea27eefcc1e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/5bc4e4578c5e4ac2a824b4d526ac8784.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/63dd3b034aea4f2f94d73abada338ee6.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3caae48dc88841458e78193f793b3ef2.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/63bb1f6d1a6a443caa509d4eaf3c709a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/af98eeb4413a49618b813c02a2d4c4df.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2595ab7542ee40dd893b859c958be215.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm138301/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm138301/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RMXTM138301.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RMXTM138301.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RMXTM138301.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm138301/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4723, VIN 3VVMR7RMXTM138301. Advertised price: $38,786. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$38,786"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38786.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RMXTM138301_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 787, "unit": "per_month", "display": "$787/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38786.0, "price_incl_doc": 38786.0, "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": 786.97, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 47218.27, "finance_charge": 6008.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4723, VIN 3VVMR7RMXTM138301. $787 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,218. 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_3VVMR7RMXTM138301_finance_72", "type": "finance_72", "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": 38786.0, "price_incl_doc": 38786.0, "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": 682.78, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 49159.9, "finance_charge": 7949.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4723, VIN 3VVMR7RMXTM138301. $683 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,160. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM138301_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38786.0, "price_incl_doc": 38786.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.75, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 51386.81, "finance_charge": 10176.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4723, VIN 3VVMR7RMXTM138301. $612 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,387. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM138301_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 38786.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 556.13, "net_cap_cost": 39461.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 716.13}, "total_of_payments": 20016, "total_of_payments_unrounded": 20020.68}, "disclosure": "Estimated lease payment for stock #W4723, VIN 3VVMR7RMXTM138301. $556 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $716, made up of $556 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $38,786. Net capitalized cost $39,461. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,016. 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"}, {"offer_id": "of_3VVMR7RMXTM138301_lease", "type": "lease", "label": "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": 38786.0, "selling_price": 38786.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 462.84, "net_cap_cost": 36462.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3621.84}, "total_of_payments": 16668, "total_of_payments_unrounded": 16662.24}, "disclosure": "Estimated lease payment for stock #W4723, VIN 3VVMR7RMXTM138301. $463 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,622, made up of $463 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $38,786. Net capitalized cost $36,462. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 113}}, {"vin": "3VVVC7B26TM039523", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 32159.0, "msrp": 34576.0, "sale_price": 32159.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "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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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34576.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b26tm039523/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b26tm039523/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B26TM039523.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B26TM039523.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B26TM039523.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b26tm039523/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,417. This offer applies to Stock #W4339, VIN 3VVVC7B26TM039523. 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: $34,576. Advertised price: $32,159. Savings: $2,417, 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": "$34,576"}, {"label": "Advertised price", "value": "$32,159"}, {"label": "Savings", "value": "$2,417, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,417", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B26TM039523_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": 32159.0, "price_incl_doc": 32159.0, "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": 652.51, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 39150.53, "finance_charge": 4981.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4339, VIN 3VVVC7B26TM039523. $653 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,151. 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_3VVVC7B26TM039523_finance_72", "type": "finance_72", "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": 32159.0, "price_incl_doc": 32159.0, "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": 566.12, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 40760.4, "finance_charge": 6591.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4339, VIN 3VVVC7B26TM039523. $566 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B26TM039523_finance_84", "type": "finance_84", "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": 32159.0, "price_incl_doc": 32159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.22, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 42606.82, "finance_charge": 8437.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4339, VIN 3VVVC7B26TM039523. $507 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,607. 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_3VVVC7B26TM039523_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.86, "net_cap_cost": 32834.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.86}, "total_of_payments": 15228, "total_of_payments_unrounded": 15222.96}, "disclosure": "Estimated lease payment for stock #W4339, VIN 3VVVC7B26TM039523. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $32,834. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B26TM039523_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.57, "net_cap_cost": 29835.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.57}, "total_of_payments": 11880, "total_of_payments_unrounded": 11864.52}, "disclosure": "Estimated lease payment for stock #W4339, VIN 3VVVC7B26TM039523. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $29,835. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 114}}, {"vin": "5NMP2DG15TH101957", "title": "2026 Hyundai Santa Fe Hybrid SEL", "year": 2026, "make": "Hyundai", "model": "Santa Fe Hybrid", "trim": "SEL", "decoded_trim": "SEL", "condition": "used", "price": 38545.0, "msrp": 38545.0, "sale_price": 38973.0, "currency": "USD", "mileage": 19, "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": "LHD260381", "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/e1a33579257f4999b2024631ba8727fb.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/e1a33579257f4999b2024631ba8727fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b5fbd75b4d64ba4bda850f35de84f0d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b80a9d463295436fb1c6149be5a8cd2f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8177970c0446421f83fe68d94549880e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb6135dd474a4003a016a7c5ed34b63d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ee1a59cdf6054bc98e503369a26a1baa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a5ddb559699e4045963a2d16a3bbfb12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6117253d4b148799a2d01877f641d8b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4144dec254084d3c9535e448fd6f25e3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b0f0120d3835487b99577ca4017e6852.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/391eb9bf7b104ec0b36b942f3aed9eb4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4f436646995546498c3d1a10f6814095.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7be44479881d48aebb33573461aee854.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a9620a10405e408cbbb56dcab2b16e31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3f9e3da782ab4d3ea693c4b552adf0e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e48a7842a8ce43c7ac080aa97153c3fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d097a5029be43508842cdc4aab6a6bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/89dded01303343b89501107c19ab3b11.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/83e41e9f9f434fc794946addde6cce2e.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": 38545.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/5NMP2DG15TH101957.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp2dg15th101957/2026-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp2dg15th101957/2026-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMP2DG15TH101957.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMP2DG15TH101957.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMP2DG15TH101957.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp2dg15th101957/2026-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #LHD260381, VIN 5NMP2DG15TH101957. Advertised price: $38,545. 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": "$38,545"}], "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38545.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP2DG15TH101957_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 962, "unit": "per_month", "display": "$962/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38545.0, "price_incl_doc": 38545.0, "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": 961.62, "amount_financed": 40954.06, "sales_tax": 2409.06, "total_of_payments": 46157.74, "finance_charge": 5203.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260381, VIN 5NMP2DG15TH101957. $962 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,545, before any dealer documentation fee. Amount financed $40,954, including $2,409 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,158. 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_5NMP2DG15TH101957_finance_60", "type": "finance_60", "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": 38545.0, "price_incl_doc": 38545.0, "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": 801.12, "amount_financed": 40954.06, "sales_tax": 2409.06, "total_of_payments": 48067.28, "finance_charge": 7113.22, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260381, VIN 5NMP2DG15TH101957. $801 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,545, before any dealer documentation fee. Amount financed $40,954, including $2,409 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,067. 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_5NMP2DG15TH101957_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": 38545.0, "price_incl_doc": 38545.0, "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": 698.03, "amount_financed": 40954.06, "sales_tax": 2409.06, "total_of_payments": 50258.12, "finance_charge": 9304.06, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260381, VIN 5NMP2DG15TH101957. $698 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,545, before any dealer documentation fee. Amount financed $40,954, including $2,409 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,258. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38381.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b22tm055200/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b22tm055200/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV4C7B22TM055200.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B22TM055200.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B22TM055200.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b22tm055200/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,780. This offer applies to Stock #VD262221, VIN 3VV4C7B22TM055200. 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: $38,381. Advertised price: $35,601. Savings: $2,780, 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": "$38,381"}, {"label": "Advertised price", "value": "$35,601"}, {"label": "Savings", "value": "$2,780, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,780", "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": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35601.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B22TM055200_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": 35601.0, "price_incl_doc": 35601.0, "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": 722.35, "amount_financed": 37826.06, "sales_tax": 2225.06, "total_of_payments": 43340.83, "finance_charge": 5514.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262221, VIN 3VV4C7B22TM055200. $722 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,601, before any dealer documentation fee. Amount financed $37,826, including $2,225 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,341. 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_3VV4C7B22TM055200_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": 35601.0, "price_incl_doc": 35601.0, "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": 626.71, "amount_financed": 37826.06, "sales_tax": 2225.06, "total_of_payments": 45123.01, "finance_charge": 7296.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262221, VIN 3VV4C7B22TM055200. $627 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,601, before any dealer documentation fee. Amount financed $37,826, including $2,225 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,123. 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_3VV4C7B22TM055200_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": 35601.0, "price_incl_doc": 35601.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 561.51, "amount_financed": 37826.06, "sales_tax": 2225.06, "total_of_payments": 47167.06, "finance_charge": 9341.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262221, VIN 3VV4C7B22TM055200. $562 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,601, before any dealer documentation fee. Amount financed $37,826, including $2,225 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B22TM055200_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": 38381.0, "selling_price": 35601.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.07, "net_cap_cost": 36276.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 624.07}, "total_of_payments": 16704, "total_of_payments_unrounded": 16706.52}, "disclosure": "Estimated lease payment for stock #VD262221, VIN 3VV4C7B22TM055200. $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 $38,381. Lease selling price $35,601. Net capitalized cost $36,276. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV4C7B22TM055200_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": 38381.0, "selling_price": 35601.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.78, "net_cap_cost": 33277.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.78}, "total_of_payments": 13356, "total_of_payments_unrounded": 13348.08}, "disclosure": "Estimated lease payment for stock #VD262221, VIN 3VV4C7B22TM055200. $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 $38,381. Lease selling price $35,601. Net capitalized cost $33,277. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:27Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31988.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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"}], "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 $3,527. This offer applies to Stock #W4679, VIN 3VVGR7RM0TM127921. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM0TM127921_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4679, VIN 3VVGR7RM0TM127921. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM0TM127921_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4679, VIN 3VVGR7RM0TM127921. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM0TM127921_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4679, VIN 3VVGR7RM0TM127921. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM0TM127921_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4679, VIN 3VVGR7RM0TM127921. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM0TM127921_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4679, VIN 3VVGR7RM0TM127921. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 112}}, {"vin": "1V2FN2CA6TC579864", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 52115.0, "msrp": 57198.0, "sale_price": 52115.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4567", 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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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,083. This offer applies to Stock #W4567, VIN 1V2FN2CA6TC579864. 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: $57,198. Advertised price: $52,115. Savings: $5,083, 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": "$57,198"}, {"label": "Advertised price", "value": "$52,115"}, {"label": "Savings", "value": "$5,083, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,083", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52115.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA6TC579864_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": 52115.0, "price_incl_doc": 52115.0, "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": 1057.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 63445.06, "finance_charge": 8072.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4567, VIN 1V2FN2CA6TC579864. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,445. 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_1V2FN2CA6TC579864_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": 52115.0, "price_incl_doc": 52115.0, "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": 917.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 66053.93, "finance_charge": 10681.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4567, VIN 1V2FN2CA6TC579864. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC579864_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": 52115.0, "price_incl_doc": 52115.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 821.98, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 69046.13, "finance_charge": 13673.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4567, VIN 1V2FN2CA6TC579864. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,046. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC579864_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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.05, "net_cap_cost": 52790.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.05}, "total_of_payments": 23472, "total_of_payments_unrounded": 23473.8}, "disclosure": "Estimated lease payment for stock #W4567, VIN 1V2FN2CA6TC579864. $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 $57,198. Lease selling price $52,115. Net capitalized cost $52,790. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA6TC579864_lease", "type": "lease", "label": "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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.76, "net_cap_cost": 49791.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3717.76}, "total_of_payments": 20124, "total_of_payments_unrounded": 20115.36}, "disclosure": "Estimated lease payment for stock #W4567, VIN 1V2FN2CA6TC579864. $559 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,718, made up of $559 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $52,115. Net capitalized cost $49,791. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 115}}, {"vin": "3VVBR7RM4TM057589", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 31173.0, "msrp": 34381.0, "sale_price": 31173.0, "currency": "USD", "mileage": 35, "exterior_color": "Deep 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 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": "W4289X", "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,208. This offer applies to Stock #W4289X, VIN 3VVBR7RM4TM057589. 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: $34,381. Advertised price: $31,173. Savings: $3,208, 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": "$34,381"}, {"label": "Advertised price", "value": "$31,173"}, {"label": "Savings", "value": "$3,208, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,208", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31173.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM4TM057589_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": 31173.0, "price_incl_doc": 31173.0, "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": 632.5, "amount_financed": 33121.31, "sales_tax": 1948.31, "total_of_payments": 37950.16, "finance_charge": 4828.85, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4289X, VIN 3VVBR7RM4TM057589. $632 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,173, before any dealer documentation fee. Amount financed $33,121, including $1,948 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,950. 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_3VVBR7RM4TM057589_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 549, "unit": "per_month", "display": "$549/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31173.0, "price_incl_doc": 31173.0, "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": 548.76, "amount_financed": 33121.31, "sales_tax": 1948.31, "total_of_payments": 39510.68, "finance_charge": 6389.37, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4289X, VIN 3VVBR7RM4TM057589. $549 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,173, before any dealer documentation fee. Amount financed $33,121, including $1,948 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,511. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM4TM057589_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": 31173.0, "price_incl_doc": 31173.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.67, "amount_financed": 33121.31, "sales_tax": 1948.31, "total_of_payments": 41300.49, "finance_charge": 8179.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4289X, VIN 3VVBR7RM4TM057589. $492 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,173, before any dealer documentation fee. Amount financed $33,121, including $1,948 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,300. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM4TM057589_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34381.0, "selling_price": 31173.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 395.56, "net_cap_cost": 31848.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 395.56, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 555.56}, "total_of_payments": 14256, "total_of_payments_unrounded": 14240.16}, "disclosure": "Estimated lease payment for stock #W4289X, VIN 3VVBR7RM4TM057589. $396 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $556, made up of $396 first payment, $60 title, $100 registration. MSRP $34,381. Lease selling price $31,173. Net capitalized cost $31,848. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM4TM057589_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": 34381.0, "selling_price": 31173.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 302.27, "net_cap_cost": 28849.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 302.27, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3461.27}, "total_of_payments": 10872, "total_of_payments_unrounded": 10881.72}, "disclosure": "Estimated lease payment for stock #W4289X, VIN 3VVBR7RM4TM057589. $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 $34,381. Lease selling price $31,173. Net capitalized cost $28,849. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 114}}, {"vin": "3VVMR7RM6TM069669", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 10, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "VD262120", "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 $3,843. This offer applies to Stock #VD262120, VIN 3VVMR7RM6TM069669. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM069669_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262120, VIN 3VVMR7RM6TM069669. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM069669_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262120, VIN 3VVMR7RM6TM069669. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM6TM069669_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262120, VIN 3VVMR7RM6TM069669. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM069669_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262120, VIN 3VVMR7RM6TM069669. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM6TM069669_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262120, VIN 3VVMR7RM6TM069669. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 105}}, {"vin": "WVWSE7CD8TW284643", "title": "2026 Volkswagen Golf GTI SE", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": null, "msrp": null, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Mythos Black Metallic", "interior_color": null, "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "VD262333", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/d8149c0da13c401eb02b40bfc38cd576.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/d8149c0da13c401eb02b40bfc38cd576.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/6f37781ec6744edca6d2d680dc9c0aad.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/2cebd4d8cca2486a841adc921d20f7af.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/6bc8b1f91f7d4f1ba932dcbb396a0d97.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/1ddae98fb59049e9ae65e708cf2bc47e.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/749963b059a7497e9bfff0dea018af62.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/7412b82ccac44ff9bfff96784085fc09.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "SE", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd8tw284643/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd8tw284643/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWSE7CD8TW284643.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWSE7CD8TW284643.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWSE7CD8TW284643.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd8tw284643/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": true, "issues": [], "checks": 0, "rule": "unknown", "stale": false}, "price_stale": false, "price_advertisable": false, "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 #VD262333, VIN WVWSE7CD8TW284643. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [], "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"}, {"vin": "1V2BN2CA9TC581199", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 47871.0, "msrp": 53276.0, "sale_price": 47871.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure Gray", "interior_color": "French Roast/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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262270", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, 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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca9tc581199/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA9TC581199.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA9TC581199.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA9TC581199.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca9tc581199/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,405. This offer applies to Stock #VD262270, VIN 1V2BN2CA9TC581199. 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: $53,276. Advertised price: $47,871. Savings: $5,405, 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": "$53,276"}, {"label": "Advertised price", "value": "$47,871"}, {"label": "Savings", "value": "$5,405, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,405", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA9TC581199_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 971, "unit": "per_month", "display": "$971/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47871.0, "price_incl_doc": 47871.0, "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": 971.31, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 58278.39, "finance_charge": 7415.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262270, VIN 1V2BN2CA9TC581199. $971 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,278. 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_1V2BN2CA9TC581199_finance_72", "type": "finance_72", "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": 47871.0, "price_incl_doc": 47871.0, "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": 842.71, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 60674.81, "finance_charge": 9811.87, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262270, VIN 1V2BN2CA9TC581199. $843 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC581199_finance_84", "type": "finance_84", "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": 47871.0, "price_incl_doc": 47871.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.04, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 63423.34, "finance_charge": 12560.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262270, VIN 1V2BN2CA9TC581199. $755 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,423. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC581199_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 587.92, "net_cap_cost": 48546.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 587.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 747.92}, "total_of_payments": 21168, "total_of_payments_unrounded": 21165.12}, "disclosure": "Estimated lease payment for stock #VD262270, VIN 1V2BN2CA9TC581199. $588 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $748, made up of $588 first payment, $60 title, $100 registration. MSRP $53,276. Lease selling price $47,871. Net capitalized cost $48,546. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC581199_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": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.63, "net_cap_cost": 45547.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3653.63}, "total_of_payments": 17820, "total_of_payments_unrounded": 17806.68}, "disclosure": "Estimated lease payment for stock #VD262270, VIN 1V2BN2CA9TC581199. $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 $53,276. 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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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of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca7tc588587/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA7TC588587.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA7TC588587.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA7TC588587.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca7tc588587/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,083. This offer applies to Stock #W4682, VIN 1V2FN2CA7TC588587. 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: $57,198. Advertised price: $52,115. Savings: $5,083, 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": "$57,198"}, {"label": "Advertised price", "value": "$52,115"}, {"label": "Savings", "value": "$5,083, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,083", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52115.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA7TC588587_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": 52115.0, "price_incl_doc": 52115.0, "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": 1057.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 63445.06, "finance_charge": 8072.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4682, VIN 1V2FN2CA7TC588587. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,445. 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_1V2FN2CA7TC588587_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": 52115.0, "price_incl_doc": 52115.0, "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": 917.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 66053.93, "finance_charge": 10681.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4682, VIN 1V2FN2CA7TC588587. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA7TC588587_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": 52115.0, "price_incl_doc": 52115.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 821.98, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 69046.13, "finance_charge": 13673.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4682, VIN 1V2FN2CA7TC588587. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,046. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA7TC588587_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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.05, "net_cap_cost": 52790.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.05}, "total_of_payments": 23472, "total_of_payments_unrounded": 23473.8}, "disclosure": "Estimated lease payment for stock #W4682, VIN 1V2FN2CA7TC588587. $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 $57,198. Lease selling price $52,115. Net capitalized cost $52,790. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA7TC588587_lease", "type": "lease", "label": "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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.76, "net_cap_cost": 49791.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3717.76}, "total_of_payments": 20124, "total_of_payments_unrounded": 20115.36}, "disclosure": "Estimated lease payment for stock #W4682, VIN 1V2FN2CA7TC588587. $559 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,718, made up of $559 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $52,115. Net capitalized cost $49,791. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm116397/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM9TM116397.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM116397.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM116397.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm116397/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,536. This offer applies to Stock #W4630, VIN 3VVGR7RM9TM116397. 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: $41,463. Advertised price: $37,927. Savings: $3,536, 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": "$41,463"}, {"label": "Advertised price", "value": "$37,927"}, {"label": "Savings", "value": "$3,536, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,536", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM9TM116397_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37927.0, "price_incl_doc": 37927.0, "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": 769.54, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 46172.52, "finance_charge": 5875.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4630, VIN 3VVGR7RM9TM116397. $770 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,173. 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_3VVGR7RM9TM116397_finance_72", "type": "finance_72", "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": 37927.0, "price_incl_doc": 37927.0, "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": 667.65, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 48071.14, "finance_charge": 7773.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4630, VIN 3VVGR7RM9TM116397. $668 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM9TM116397_finance_84", "type": "finance_84", "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": 37927.0, "price_incl_doc": 37927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.2, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 50248.73, "finance_charge": 9951.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4630, VIN 3VVGR7RM9TM116397. $598 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,249. 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_3VVGR7RM9TM116397_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.07, "net_cap_cost": 38602.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.07}, "total_of_payments": 17388, "total_of_payments_unrounded": 17390.52}, "disclosure": "Estimated lease payment for stock #W4630, VIN 3VVGR7RM9TM116397. $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 $41,463. Lease selling price $37,927. Net capitalized cost $38,602. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM9TM116397_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 389.78, "net_cap_cost": 35603.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.78}, "total_of_payments": 14040, "total_of_payments_unrounded": 14032.08}, "disclosure": "Estimated lease payment for stock #W4630, VIN 3VVGR7RM9TM116397. $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 $41,463. Lease selling price $37,927. Net capitalized cost $35,603. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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.castlevwdownersgrove.com/viewdetails/new/1v2kn2caxtc585312/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CAXTC585312.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CAXTC585312.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CAXTC585312.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2caxtc585312/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,009. This offer applies to Stock #W4657, VIN 1V2KN2CAXTC585312. 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: $49,856. Advertised price: $44,847. Savings: $5,009, 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": "$49,856"}, {"label": "Advertised price", "value": "$44,847"}, {"label": "Savings", "value": "$5,009, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,009", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44847.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CAXTC585312_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44847.0, "price_incl_doc": 44847.0, "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": 909.95, "amount_financed": 47649.94, "sales_tax": 2802.94, "total_of_payments": 54596.96, "finance_charge": 6947.02, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4657, VIN 1V2KN2CAXTC585312. $910 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,847, before any dealer documentation fee. Amount financed $47,650, including $2,803 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,597. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC585312_finance_72", "type": "finance_72", "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": 44847.0, "price_incl_doc": 44847.0, "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": 789.47, "amount_financed": 47649.94, "sales_tax": 2802.94, "total_of_payments": 56842.0, "finance_charge": 9192.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4657, VIN 1V2KN2CAXTC585312. $789 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,847, before any dealer documentation fee. Amount financed $47,650, including $2,803 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,842. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC585312_finance_84", "type": "finance_84", "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": 44847.0, "price_incl_doc": 44847.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.34, "amount_financed": 47649.94, "sales_tax": 2802.94, "total_of_payments": 59416.9, "finance_charge": 11766.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4657, VIN 1V2KN2CAXTC585312. $707 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,847, before any dealer documentation fee. Amount financed $47,650, including $2,803 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,417. 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_1V2KN2CAXTC585312_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 49856.0, "selling_price": 44847.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 553.05, "net_cap_cost": 45522.0, "residual_value": 30910.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 553.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 713.05}, "total_of_payments": 19908, "total_of_payments_unrounded": 19909.8}, "disclosure": "Estimated lease payment for stock #W4657, VIN 1V2KN2CAXTC585312. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $49,856. Lease selling price $44,847. Net capitalized cost $45,522. Residual value $30,911, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KN2CAXTC585312_lease", "type": "lease", "label": "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": 49856.0, "selling_price": 44847.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 459.76, "net_cap_cost": 42523.0, "residual_value": 30910.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3618.76}, "total_of_payments": 16560, "total_of_payments_unrounded": 16551.36}, "disclosure": "Estimated lease payment for stock #W4657, VIN 1V2KN2CAXTC585312. $460 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,619, made up of $460 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,856. Lease selling price $44,847. Net capitalized cost $42,523. Residual value $30,911, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 77973.0, "price_incl_doc": 77973.0, "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": 1620.6, "amount_financed": 82846.31, "sales_tax": 4873.31, "total_of_payments": 97235.71, "finance_charge": 14389.4, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0530, VIN 7G2CEHED4RA048652. $1,621 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $77,973, before any dealer documentation fee. Amount financed $82,846, including $4,873 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $97,236. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7G2CEHED4RA048652_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1412, "unit": "per_month", "display": "$1,412/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 77973.0, "price_incl_doc": 77973.0, "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": 1412.05, "amount_financed": 82846.31, "sales_tax": 4873.31, "total_of_payments": 101667.56, "finance_charge": 18821.25, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0530, VIN 7G2CEHED4RA048652. $1,412 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $77,973, before any dealer documentation fee. Amount financed $82,846, including $4,873 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $101,668. 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"}], "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 $4,940. This offer applies to Stock #W4192, VIN 1V2BN2CA5TC527091. 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: $52,278. Advertised price: $47,338. Savings: $4,940, 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": "$52,278"}, {"label": "Advertised price", "value": "$47,338"}, {"label": "Savings", "value": "$4,940, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,940", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47338.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA5TC527091_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 960, "unit": "per_month", "display": "$960/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47338.0, "price_incl_doc": 47338.0, "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": 960.49, "amount_financed": 50296.63, "sales_tax": 2958.63, "total_of_payments": 57629.52, "finance_charge": 7332.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4192, VIN 1V2BN2CA5TC527091. $960 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,338, before any dealer documentation fee. Amount financed $50,297, including $2,959 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,630. 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_1V2BN2CA5TC527091_finance_72", "type": "finance_72", "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": 47338.0, "price_incl_doc": 47338.0, "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": 833.32, "amount_financed": 50296.63, "sales_tax": 2958.63, "total_of_payments": 59999.26, "finance_charge": 9702.63, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4192, VIN 1V2BN2CA5TC527091. $833 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,338, before any dealer documentation fee. Amount financed $50,297, including $2,959 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,999. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA5TC527091_finance_84", "type": "finance_84", "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": 47338.0, "price_incl_doc": 47338.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 746.63, "amount_financed": 50296.63, "sales_tax": 2958.63, "total_of_payments": 62717.18, "finance_charge": 12420.55, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4192, VIN 1V2BN2CA5TC527091. $747 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,338, before any dealer documentation fee. Amount financed $50,297, including $2,959 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,717. 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_1V2BN2CA5TC527091_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": 52278.0, "selling_price": 47338.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 588.61, "net_cap_cost": 48013.0, "residual_value": 32412.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 588.61, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 748.61}, "total_of_payments": 21204, "total_of_payments_unrounded": 21189.96}, "disclosure": "Estimated lease payment for stock #W4192, VIN 1V2BN2CA5TC527091. $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 $52,278. Lease selling price $47,338. Net capitalized cost $48,013. Residual value $32,412, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA5TC527091_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": 52278.0, "selling_price": 47338.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.32, "net_cap_cost": 45014.0, "residual_value": 32412.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.32, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3654.32}, "total_of_payments": 17820, "total_of_payments_unrounded": 17831.52}, "disclosure": "Estimated lease payment for stock #W4192, VIN 1V2BN2CA5TC527091. $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 $52,278. Lease selling price $47,338. Net capitalized cost $45,014. Residual value $32,412, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 175}}, {"vin": "KMTFC4SD5PU028423", "title": "2023 Genesis G90 e-SC", "year": 2023, "make": "Genesis", "model": "G90", "trim": "e-SC", "decoded_trim": "3.5T e-Supercharger", "condition": "used", "price": 55999.0, "msrp": 55999.0, "sale_price": 56711.0, "currency": "USD", "mileage": 33466, "exterior_color": "Vik Black", "interior_color": "Black Monotone", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbo/Supercharger Gas/Electric V-6 3.5 L/212", "engine_displacement_l": 3.5, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 17, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0504", "stock_status": "Available", "availability": "In Stock", 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VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmtfc4sd5pu028423/2023-genesis-g90-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KMTFC4SD5PU028423.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KMTFC4SD5PU028423.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KMTFC4SD5PU028423.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmtfc4sd5pu028423/2023-genesis-g90-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0504, VIN KMTFC4SD5PU028423. Advertised price: $55,999. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$55,999"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55999.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1397, "unit": "per_month", "display": "$1,397/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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55999.0, "price_incl_doc": 55999.0, "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": 1397.06, "amount_financed": 59498.94, "sales_tax": 3499.94, "total_of_payments": 67058.95, "finance_charge": 7560.01, "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. $1,397 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $55,999, before any dealer documentation fee. Amount financed $59,499, including $3,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $67,059. 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_KMTFC4SD5PU028423_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1164, "unit": "per_month", "display": "$1,164/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55999.0, "price_incl_doc": 55999.0, "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": 1163.89, "amount_financed": 59498.94, "sales_tax": 3499.94, "total_of_payments": 69833.18, "finance_charge": 10334.24, "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. $1,164 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $55,999, before any dealer documentation fee. Amount financed $59,499, including $3,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $69,833. 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_KMTFC4SD5PU028423_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": 55999.0, "price_incl_doc": 55999.0, "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": 1014.11, "amount_financed": 59498.94, "sales_tax": 3499.94, "total_of_payments": 73016.07, "finance_charge": 13517.13, "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. $1,014 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $55,999, before any dealer documentation fee. Amount financed $59,499, including $3,500 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $73,016. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 131}}, {"vin": "3VWBW7BUXTM039029", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25487.0, "msrp": 27626.0, "sale_price": 25487.0, "currency": "USD", "mileage": 13, "exterior_color": "Pure White", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4378", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7buxtm039029/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,139. This offer applies to Stock #W4378, VIN 3VWBW7BUXTM039029. 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: $27,626. Advertised price: $25,487. 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": "$27,626"}, {"label": "Advertised price", "value": "$25,487"}, {"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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25487.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BUXTM039029_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": 25487.0, "price_incl_doc": 25487.0, "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": 517.13, "amount_financed": 27079.94, "sales_tax": 1592.94, "total_of_payments": 31028.0, "finance_charge": 3948.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4378, VIN 3VWBW7BUXTM039029. $517 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,487, before any dealer documentation fee. Amount financed $27,080, including $1,593 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,028. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BUXTM039029_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": 25487.0, "price_incl_doc": 25487.0, "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": 448.66, "amount_financed": 27079.94, "sales_tax": 1592.94, "total_of_payments": 32303.88, "finance_charge": 5223.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4378, VIN 3VWBW7BUXTM039029. $449 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,487, before any dealer documentation fee. Amount financed $27,080, including $1,593 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,304. 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_3VWBW7BUXTM039029_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25487.0, "price_incl_doc": 25487.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 401.99, "amount_financed": 27079.94, "sales_tax": 1592.94, "total_of_payments": 33767.22, "finance_charge": 6687.28, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4378, VIN 3VWBW7BUXTM039029. $402 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,487, before any dealer documentation fee. Amount financed $27,080, including $1,593 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,767. 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_3VWBW7BUXTM039029_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 336, "unit": "per_month", "display": "$336/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25487.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 335.62, "net_cap_cost": 26162.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 335.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 495.62}, "total_of_payments": 12096, "total_of_payments_unrounded": 12082.32}, "disclosure": "Estimated lease payment for stock #W4378, VIN 3VWBW7BUXTM039029. $336 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $496, made up of $336 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,487. Net capitalized cost $26,162. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,096. 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_3VWBW7BUXTM039029_lease", "type": "lease", "label": "Lease", "headline": {"value": 242, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25487.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 242.33, "net_cap_cost": 23163.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 242.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3401.33}, "total_of_payments": 8712, "total_of_payments_unrounded": 8723.88}, "disclosure": "Estimated lease payment for stock #W4378, VIN 3VWBW7BUXTM039029. $242 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,401, made up of $242 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,487. Net capitalized cost $23,163. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,712. 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"}], "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": 190}}, {"vin": "1V2BN2CA8TC517283", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "used", "price": 43690.0, "msrp": 43690.0, "sale_price": 43532.0, "currency": "USD", "mileage": 2623, "exterior_color": "Deep Black 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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PDV0946", "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 #PDV0946, VIN 1V2BN2CA8TC517283. Advertised price: $43,690. 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": "$43,690"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43690.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1090, "unit": "per_month", "display": "$1,090/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43690.0, "price_incl_doc": 43690.0, "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": 1089.98, "amount_financed": 46420.63, "sales_tax": 2730.63, "total_of_payments": 52318.9, "finance_charge": 5898.27, "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. $1,090 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $43,690, before any dealer documentation fee. Amount financed $46,421, including $2,731 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $52,319. 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_1V2BN2CA8TC517283_finance_60", "type": "finance_60", "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": 43690.0, "price_incl_doc": 43690.0, "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": 908.06, "amount_financed": 46420.63, "sales_tax": 2730.63, "total_of_payments": 54483.33, "finance_charge": 8062.7, "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. $908 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $43,690, before any dealer documentation fee. Amount financed $46,421, including $2,731 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $54,483. 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_1V2BN2CA8TC517283_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 791, "unit": "per_month", "display": "$791/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43690.0, "price_incl_doc": 43690.0, "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": 791.2, "amount_financed": 46420.63, "sales_tax": 2730.63, "total_of_payments": 56966.6, "finance_charge": 10545.97, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0946, VIN 1V2BN2CA8TC517283. $791 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $43,690, before any dealer documentation fee. Amount financed $46,421, including $2,731 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $56,967. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 134}}, {"vin": "WVW3E7CD5TW272115", "title": "2026 Volkswagen Golf GTI SE", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 42853.0, "msrp": 42853.0, "sale_price": 42853.0, "currency": "USD", "mileage": null, "exterior_color": "Moonstone Gray", "interior_color": null, "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.0L  241 HP  4 cylinder", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "7-Speed DSG  Automatic FWD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "TW272115", "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/2003378/2264415/0x0/669e21a0b2044255a7813775698ca095.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/669e21a0b2044255a7813775698ca095.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/9bd245ec3d014b94a6ef12f7f7470e3c.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/84a12aeed1f445629d2d6e2004f1e811.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/0dffd954b38c4720b221b246e426eed7.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/fd48c428ce3a4a22a3ca7d48ea1d079a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/4784c74c920d43668963ca153108b890.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/79ed391a6228483f88c16f741cf45d58.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "SE", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42853.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvw3e7cd5tw272115/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvw3e7cd5tw272115/2026-volkswagen-golf-gti-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVW3E7CD5TW272115.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVW3E7CD5TW272115.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVW3E7CD5TW272115.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvw3e7cd5tw272115/2026-volkswagen-golf-gti-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #TW272115, VIN WVW3E7CD5TW272115. Advertised price: $42,853. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$42,853"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42853.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVW3E7CD5TW272115_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": 42853.0, "price_incl_doc": 42853.0, "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": 869.49, "amount_financed": 45531.31, "sales_tax": 2678.31, "total_of_payments": 52169.45, "finance_charge": 6638.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TW272115, VIN WVW3E7CD5TW272115. $869 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,853, before any dealer documentation fee. Amount financed $45,531, including $2,678 estimated sales tax at 6.25%. That is $19.10 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_WVW3E7CD5TW272115_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": 42853.0, "price_incl_doc": 42853.0, "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": 754.37, "amount_financed": 45531.31, "sales_tax": 2678.31, "total_of_payments": 54314.67, "finance_charge": 8783.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TW272115, VIN WVW3E7CD5TW272115. $754 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,853, before any dealer documentation fee. Amount financed $45,531, including $2,678 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,315. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVW3E7CD5TW272115_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": 42853.0, "price_incl_doc": 42853.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 675.89, "amount_financed": 45531.31, "sales_tax": 2678.31, "total_of_payments": 56775.09, "finance_charge": 11243.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TW272115, VIN WVW3E7CD5TW272115. $676 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,853, before any dealer documentation fee. Amount financed $45,531, including $2,678 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,775. 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_WVW3E7CD5TW272115_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": 42853.0, "selling_price": 42853.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 612.25, "net_cap_cost": 43528.0, "residual_value": 26568.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 612.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 772.25}, "total_of_payments": 22032, "total_of_payments_unrounded": 22041.0}, "disclosure": "Estimated lease payment for stock #TW272115, VIN WVW3E7CD5TW272115. $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 $42,853. Lease selling price $42,853. Net capitalized cost $43,528. Residual value $26,569, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVW3E7CD5TW272115_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": 42853.0, "selling_price": 42853.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 518.96, "net_cap_cost": 40529.0, "residual_value": 26568.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 518.96, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3677.96}, "total_of_payments": 18684, "total_of_payments_unrounded": 18682.56}, "disclosure": "Estimated lease payment for stock #TW272115, VIN WVW3E7CD5TW272115. $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 $42,853. Lease selling price $42,853. Net capitalized cost $40,529. Residual value $26,569, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 190}}, {"vin": "1V2KN2CA6TC577983", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45202.0, "msrp": 50193.0, "sale_price": 45202.0, "currency": "USD", "mileage": 8, "exterior_color": "Opal White Pearl", "interior_color": "Shetland Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca6tc577983/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA6TC577983.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA6TC577983.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA6TC577983.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca6tc577983/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,991. This offer applies to Stock #W4555, VIN 1V2KN2CA6TC577983. 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: $50,193. Advertised price: $45,202. Savings: $4,991, 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": "$50,193"}, {"label": "Advertised price", "value": "$45,202"}, {"label": "Savings", "value": "$4,991, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,991", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45202.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA6TC577983_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": 45202.0, "price_incl_doc": 45202.0, "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": 917.15, "amount_financed": 48027.13, "sales_tax": 2825.13, "total_of_payments": 55029.14, "finance_charge": 7002.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4555, VIN 1V2KN2CA6TC577983. $917 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,202, before any dealer documentation fee. Amount financed $48,027, including $2,825 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,029. 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_1V2KN2CA6TC577983_finance_72", "type": "finance_72", "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": 45202.0, "price_incl_doc": 45202.0, "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": 795.72, "amount_financed": 48027.13, "sales_tax": 2825.13, "total_of_payments": 57291.95, "finance_charge": 9264.82, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4555, VIN 1V2KN2CA6TC577983. $796 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,202, before any dealer documentation fee. Amount financed $48,027, including $2,825 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,292. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC577983_finance_84", "type": "finance_84", "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": 45202.0, "price_incl_doc": 45202.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 712.94, "amount_financed": 48027.13, "sales_tax": 2825.13, "total_of_payments": 59887.24, "finance_charge": 11860.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4555, VIN 1V2KN2CA6TC577983. $713 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,202, before any dealer documentation fee. Amount financed $48,027, including $2,825 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,887. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA6TC577983_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 50193.0, "selling_price": 45202.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.26, "net_cap_cost": 45877.0, "residual_value": 31119.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.26, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 718.26}, "total_of_payments": 20088, "total_of_payments_unrounded": 20097.36}, "disclosure": "Estimated lease payment for stock #W4555, VIN 1V2KN2CA6TC577983. $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 $50,193. Lease selling price $45,202. Net capitalized cost $45,877. Residual value $31,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA6TC577983_lease", "type": "lease", "label": "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": 50193.0, "selling_price": 45202.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.97, "net_cap_cost": 42878.0, "residual_value": 31119.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.97, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3623.97}, "total_of_payments": 16740, "total_of_payments_unrounded": 16738.92}, "disclosure": "Estimated lease payment for stock #W4555, VIN 1V2KN2CA6TC577983. $465 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,624, made up of $465 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,193. Lease selling price $45,202. Net capitalized cost $42,878. Residual value $31,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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 $4,845. This offer applies to Stock #W4210, VIN 1V2HN2CA0TC529003. 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: $48,995. Advertised price: $44,150. Savings: $4,845, 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": "$48,995"}, {"label": "Advertised price", "value": "$44,150"}, {"label": "Savings", "value": "$4,845, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,845", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44150.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA0TC529003_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 896, "unit": "per_month", "display": "$896/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44150.0, "price_incl_doc": 44150.0, "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": 895.81, "amount_financed": 46909.38, "sales_tax": 2759.38, "total_of_payments": 53748.43, "finance_charge": 6839.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4210, VIN 1V2HN2CA0TC529003. $896 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,150, before any dealer documentation fee. Amount financed $46,909, including $2,759 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,748. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA0TC529003_finance_72", "type": "finance_72", "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": 44150.0, "price_incl_doc": 44150.0, "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": 777.2, "amount_financed": 46909.38, "sales_tax": 2759.38, "total_of_payments": 55958.58, "finance_charge": 9049.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4210, VIN 1V2HN2CA0TC529003. $777 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,150, before any dealer documentation fee. Amount financed $46,909, including $2,759 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,959. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA0TC529003_finance_84", "type": "finance_84", "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": 44150.0, "price_incl_doc": 44150.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 696.35, "amount_financed": 46909.38, "sales_tax": 2759.38, "total_of_payments": 58493.47, "finance_charge": 11584.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4210, VIN 1V2HN2CA0TC529003. $696 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,150, before any dealer documentation fee. Amount financed $46,909, including $2,759 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,493. 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_1V2HN2CA0TC529003_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48995.0, "selling_price": 44150.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.27, "net_cap_cost": 44825.0, "residual_value": 30376.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.27, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.27}, "total_of_payments": 19656, "total_of_payments_unrounded": 19665.72}, "disclosure": "Estimated lease payment for stock #W4210, VIN 1V2HN2CA0TC529003. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $48,995. Lease selling price $44,150. Net capitalized cost $44,825. Residual value $30,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA0TC529003_lease", "type": "lease", "label": "Lease", "headline": {"value": 453, "unit": "per_month", "display": "$453/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48995.0, "selling_price": 44150.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 452.98, "net_cap_cost": 41826.0, "residual_value": 30376.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.98}, "total_of_payments": 16308, "total_of_payments_unrounded": 16307.28}, "disclosure": "Estimated lease payment for stock #W4210, VIN 1V2HN2CA0TC529003. $453 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,612, made up of $453 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,995. Lease selling price $44,150. Net capitalized cost $41,826. Residual value $30,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,308. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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://ai.castlevwdownersgrove.com/v/3VW7W7BU9TM051789.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu9tm051789/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,117. This offer applies to Stock #W4474, VIN 3VW7W7BU9TM051789. 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: $29,186. Advertised price: $27,069. Savings: $2,117, 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": "$29,186"}, {"label": "Advertised price", "value": "$27,069"}, {"label": "Savings", "value": "$2,117, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,117", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27069.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU9TM051789_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 549, "unit": "per_month", "display": "$549/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27069.0, "price_incl_doc": 27069.0, "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": 549.23, "amount_financed": 28760.81, "sales_tax": 1691.81, "total_of_payments": 32953.93, "finance_charge": 4193.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4474, VIN 3VW7W7BU9TM051789. $549 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,069, before any dealer documentation fee. Amount financed $28,761, including $1,692 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,954. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU9TM051789_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27069.0, "price_incl_doc": 27069.0, "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": 476.51, "amount_financed": 28760.81, "sales_tax": 1691.81, "total_of_payments": 34309.0, "finance_charge": 5548.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4474, VIN 3VW7W7BU9TM051789. $477 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,069, before any dealer documentation fee. Amount financed $28,761, including $1,692 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,309. 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_3VW7W7BU9TM051789_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27069.0, "price_incl_doc": 27069.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 426.94, "amount_financed": 28760.81, "sales_tax": 1691.81, "total_of_payments": 35863.18, "finance_charge": 7102.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4474, VIN 3VW7W7BU9TM051789. $427 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,069, before any dealer documentation fee. Amount financed $28,761, including $1,692 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,863. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU9TM051789_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 358, "unit": "per_month", "display": "$358/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29186.0, "selling_price": 27069.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 357.83, "net_cap_cost": 27744.0, "residual_value": 18095.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 357.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 517.83}, "total_of_payments": 12888, "total_of_payments_unrounded": 12881.88}, "disclosure": "Estimated lease payment for stock #W4474, VIN 3VW7W7BU9TM051789. $358 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $518, made up of $358 first payment, $60 title, $100 registration. MSRP $29,186. Lease selling price $27,069. Net capitalized cost $27,744. Residual value $18,095, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,888. 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"}, {"offer_id": "of_3VW7W7BU9TM051789_lease", "type": "lease", "label": "Lease", "headline": {"value": 265, "unit": "per_month", "display": "$265/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29186.0, "selling_price": 27069.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 264.53, "net_cap_cost": 24745.0, "residual_value": 18095.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 264.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3423.53}, "total_of_payments": 9540, "total_of_payments_unrounded": 9523.08}, "disclosure": "Estimated lease payment for stock #W4474, VIN 3VW7W7BU9TM051789. $265 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,424, made up of $265 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,186. Lease selling price $27,069. Net capitalized cost $24,745. Residual value $18,095, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,540. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc584330/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA1TC584330.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA1TC584330.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA1TC584330.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc584330/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $6,086. This offer applies to Stock #VD262268, VIN 1V2CN2CA1TC584330. 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: $51,261. Advertised price: $45,175. Savings: $6,086, 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": "$51,261"}, {"label": "Advertised price", "value": "$45,175"}, {"label": "Savings", "value": "$6,086, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,086", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45175.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA1TC584330_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": 45175.0, "price_incl_doc": 45175.0, "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": 916.6, "amount_financed": 47998.44, "sales_tax": 2823.44, "total_of_payments": 54996.27, "finance_charge": 6997.83, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262268, VIN 1V2CN2CA1TC584330. $917 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,175, before any dealer documentation fee. Amount financed $47,998, including $2,823 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,996. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA1TC584330_finance_72", "type": "finance_72", "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": 45175.0, "price_incl_doc": 45175.0, "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": 795.25, "amount_financed": 47998.44, "sales_tax": 2823.44, "total_of_payments": 57257.73, "finance_charge": 9259.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262268, VIN 1V2CN2CA1TC584330. $795 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,175, before any dealer documentation fee. Amount financed $47,998, including $2,823 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,258. 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_1V2CN2CA1TC584330_finance_84", "type": "finance_84", "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": 45175.0, "price_incl_doc": 45175.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 712.52, "amount_financed": 47998.44, "sales_tax": 2823.44, "total_of_payments": 59851.46, "finance_charge": 11853.02, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262268, VIN 1V2CN2CA1TC584330. $713 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,175, before any dealer documentation fee. Amount financed $47,998, including $2,823 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,851. 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"}, {"offer_id": "of_1V2CN2CA1TC584330_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51261.0, "selling_price": 45175.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 538.93, "net_cap_cost": 45850.0, "residual_value": 31781.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 538.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 698.93}, "total_of_payments": 19404, "total_of_payments_unrounded": 19401.48}, "disclosure": "Estimated lease payment for stock #VD262268, VIN 1V2CN2CA1TC584330. $539 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $699, made up of $539 first payment, $60 title, $100 registration. MSRP $51,261. Lease selling price $45,175. Net capitalized cost $45,850. Residual value $31,782, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,404. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA1TC584330_lease", "type": "lease", "label": "Lease", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51261.0, "selling_price": 45175.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.64, "net_cap_cost": 42851.0, "residual_value": 31781.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3604.64}, "total_of_payments": 16056, "total_of_payments_unrounded": 16043.04}, "disclosure": "Estimated lease payment for stock #VD262268, VIN 1V2CN2CA1TC584330. $446 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,605, made up of $446 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,261. Lease selling price $45,175. Net capitalized cost $42,851. Residual value $31,782, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,056. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49438.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca1tc218708/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca1tc218708/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KC2CA1TC218708.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,022. This offer applies to Stock #W4345, VIN 1V2KC2CA1TC218708. 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: $49,438. Advertised price: $44,416. Savings: $5,022, 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": "$49,438"}, {"label": "Advertised price", "value": "$44,416"}, {"label": "Savings", "value": "$5,022, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,022", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44416.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA1TC218708_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 901, "unit": "per_month", "display": "$901/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44416.0, "price_incl_doc": 44416.0, "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": 901.2, "amount_financed": 47192.0, "sales_tax": 2776.0, "total_of_payments": 54072.25, "finance_charge": 6880.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4345, VIN 1V2KC2CA1TC218708. $901 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,416, before any dealer documentation fee. Amount financed $47,192, including $2,776 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,072. 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_1V2KC2CA1TC218708_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44416.0, "price_incl_doc": 44416.0, "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": 781.88, "amount_financed": 47192.0, "sales_tax": 2776.0, "total_of_payments": 56295.72, "finance_charge": 9103.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4345, VIN 1V2KC2CA1TC218708. $782 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,416, before any dealer documentation fee. Amount financed $47,192, including $2,776 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,296. 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_1V2KC2CA1TC218708_finance_84", "type": "finance_84", "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": 44416.0, "price_incl_doc": 44416.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.55, "amount_financed": 47192.0, "sales_tax": 2776.0, "total_of_payments": 58845.88, "finance_charge": 11653.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4345, VIN 1V2KC2CA1TC218708. $701 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,416, before any dealer documentation fee. Amount financed $47,192, including $2,776 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,846. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA1TC218708_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 49438.0, "selling_price": 44416.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.88, "net_cap_cost": 45091.0, "residual_value": 30651.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.88}, "total_of_payments": 19692, "total_of_payments_unrounded": 19687.68}, "disclosure": "Estimated lease payment for stock #W4345, VIN 1V2KC2CA1TC218708. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $49,438. Lease selling price $44,416. Net capitalized cost $45,091. Residual value $30,652, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KC2CA1TC218708_lease", "type": "lease", "label": "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": 49438.0, "selling_price": 44416.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 453.59, "net_cap_cost": 42092.0, "residual_value": 30651.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.59}, "total_of_payments": 16344, "total_of_payments_unrounded": 16329.24}, "disclosure": "Estimated lease payment for stock #W4345, VIN 1V2KC2CA1TC218708. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,438. Lease selling price $44,416. Net capitalized cost $42,092. Residual value $30,652, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 167}}, {"vin": "3VVGR7RMXTM083801", "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": "new", "price": 38364.0, "msrp": 41918.0, "sale_price": 38364.0, "currency": "USD", "mileage": 10, "exterior_color": "Opal White Pearl", "interior_color": "Grigio & 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": "W4444", "stock_status": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rmxtm083801/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RMXTM083801.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RMXTM083801.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RMXTM083801.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rmxtm083801/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,554. This offer applies to Stock #W4444, VIN 3VVGR7RMXTM083801. 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: $41,918. Advertised price: $38,364. Savings: $3,554, 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": "$41,918"}, {"label": "Advertised price", "value": "$38,364"}, {"label": "Savings", "value": "$3,554, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,554", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38364.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RMXTM083801_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": 38364.0, "price_incl_doc": 38364.0, "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": 778.41, "amount_financed": 40761.75, "sales_tax": 2397.75, "total_of_payments": 46704.52, "finance_charge": 5942.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4444, VIN 3VVGR7RMXTM083801. $778 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,364, before any dealer documentation fee. Amount financed $40,762, including $2,398 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,705. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RMXTM083801_finance_72", "type": "finance_72", "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": 38364.0, "price_incl_doc": 38364.0, "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": 675.35, "amount_financed": 40761.75, "sales_tax": 2397.75, "total_of_payments": 48625.02, "finance_charge": 7863.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4444, VIN 3VVGR7RMXTM083801. $675 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,364, before any dealer documentation fee. Amount financed $40,762, including $2,398 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,625. 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"}, {"offer_id": "of_3VVGR7RMXTM083801_finance_84", "type": "finance_84", "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": 38364.0, "price_incl_doc": 38364.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.09, "amount_financed": 40761.75, "sales_tax": 2397.75, "total_of_payments": 50827.7, "finance_charge": 10065.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4444, VIN 3VVGR7RMXTM083801. $605 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,364, before any dealer documentation fee. Amount financed $40,762, including $2,398 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,828. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RMXTM083801_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": 41918.0, "selling_price": 38364.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.79, "net_cap_cost": 39039.0, "residual_value": 25989.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 648.79}, "total_of_payments": 17604, "total_of_payments_unrounded": 17596.44}, "disclosure": "Estimated lease payment for stock #W4444, VIN 3VVGR7RMXTM083801. $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 $41,918. Lease selling price $38,364. Net capitalized cost $39,039. Residual value $25,989, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RMXTM083801_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": 41918.0, "selling_price": 38364.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 395.5, "net_cap_cost": 36040.0, "residual_value": 25989.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 395.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3554.5}, "total_of_payments": 14256, "total_of_payments_unrounded": 14238.0}, "disclosure": "Estimated lease payment for stock #W4444, VIN 3VVGR7RMXTM083801. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,554, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,918. Lease selling price $38,364. Net capitalized cost $36,040. Residual value $25,989, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 158}}, {"vin": "3VWBW7BU4TM036627", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25218.0, "msrp": 27239.0, "sale_price": 25218.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4355", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu4tm036627/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,021. This offer applies to Stock #W4355, VIN 3VWBW7BU4TM036627. 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: $27,239. Advertised price: $25,218. Savings: $2,021, 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": "$27,239"}, {"label": "Advertised price", "value": "$25,218"}, {"label": "Savings", "value": "$2,021, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,021", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25218.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU4TM036627_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25218.0, "price_incl_doc": 25218.0, "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": 511.68, "amount_financed": 26794.13, "sales_tax": 1576.13, "total_of_payments": 30700.52, "finance_charge": 3906.39, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4355, VIN 3VWBW7BU4TM036627. $512 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,218, before any dealer documentation fee. Amount financed $26,794, including $1,576 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,701. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM036627_finance_72", "type": "finance_72", "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": 25218.0, "price_incl_doc": 25218.0, "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": 443.93, "amount_financed": 26794.13, "sales_tax": 1576.13, "total_of_payments": 31962.93, "finance_charge": 5168.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4355, VIN 3VWBW7BU4TM036627. $444 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,218, before any dealer documentation fee. Amount financed $26,794, including $1,576 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,963. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM036627_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25218.0, "price_incl_doc": 25218.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 397.75, "amount_financed": 26794.13, "sales_tax": 1576.13, "total_of_payments": 33410.83, "finance_charge": 6616.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4355, VIN 3VWBW7BU4TM036627. $398 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,218, before any dealer documentation fee. Amount financed $26,794, including $1,576 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,411. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM036627_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 27239.0, "selling_price": 25218.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 333.95, "net_cap_cost": 25893.0, "residual_value": 16888.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 333.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 493.95}, "total_of_payments": 12024, "total_of_payments_unrounded": 12022.2}, "disclosure": "Estimated lease payment for stock #W4355, VIN 3VWBW7BU4TM036627. $334 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $494, made up of $334 first payment, $60 title, $100 registration. MSRP $27,239. Lease selling price $25,218. Net capitalized cost $25,893. Residual value $16,888, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU4TM036627_lease", "type": "lease", "label": "Lease", "headline": {"value": 241, "unit": "per_month", "display": "$241/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27239.0, "selling_price": 25218.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 240.66, "net_cap_cost": 22894.0, "residual_value": 16888.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 240.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3399.66}, "total_of_payments": 8676, "total_of_payments_unrounded": 8663.76}, "disclosure": "Estimated lease payment for stock #W4355, VIN 3VWBW7BU4TM036627. $241 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,400, made up of $241 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,239. Lease selling price $25,218. Net capitalized cost $22,894. Residual value $16,888, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,676. 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"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23420.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA4TC583797_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1161, "unit": "per_month", "display": "$1,161/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57198.0, "price_incl_doc": 57198.0, "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": 1160.55, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 69633.13, "finance_charge": 8860.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4619, VIN 1V2FN2CA4TC583797. $1,161 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $69,633. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC583797_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1007, "unit": "per_month", "display": "$1,007/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57198.0, "price_incl_doc": 57198.0, "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": 1006.9, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 72496.46, "finance_charge": 11723.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4619, VIN 1V2FN2CA4TC583797. $1,007 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $72,496. 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"}, {"offer_id": "of_1V2FN2CA4TC583797_finance_84", "type": "finance_84", "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": 57198.0, "price_incl_doc": 57198.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 902.15, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 75780.5, "finance_charge": 15007.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4619, VIN 1V2FN2CA4TC583797. $902 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $75,780. 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_1V2FN2CA4TC583797_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57198.0, "selling_price": 57198.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 810.17, "net_cap_cost": 57873.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 810.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 970.17}, "total_of_payments": 29160, "total_of_payments_unrounded": 29166.12}, "disclosure": "Estimated lease payment for stock #W4619, VIN 1V2FN2CA4TC583797. $810 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $970, made up of $810 first payment, $60 title, $100 registration. MSRP $57,198. Lease selling price $57,198. Net capitalized cost $57,873. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $29,160. 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_1V2FN2CA4TC583797_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57198.0, "selling_price": 57198.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 716.88, "net_cap_cost": 54874.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 716.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3875.88}, "total_of_payments": 25812, "total_of_payments_unrounded": 25807.68}, "disclosure": "Estimated lease payment for stock #W4619, VIN 1V2FN2CA4TC583797. $717 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,876, made up of $717 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $57,198. Net capitalized cost $54,874. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,812. 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": 187}}, {"vin": "1V2CN2CA5TC580216", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 45448.0, "msrp": 51083.0, "sale_price": 45448.0, "currency": "USD", "mileage": 10, "exterior_color": "Opal White Pearl", "interior_color": "BLACK LEATHERE", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline 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"dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc580216/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA5TC580216.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA5TC580216.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA5TC580216.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc580216/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,635. This offer applies to Stock #W4671, VIN 1V2CN2CA5TC580216. 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: $51,083. Advertised price: $45,448. Savings: $5,635, 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": "$51,083"}, {"label": "Advertised price", "value": "$45,448"}, {"label": "Savings", "value": "$5,635, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,635", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45448.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA5TC580216_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 922, "unit": "per_month", "display": "$922/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45448.0, "price_incl_doc": 45448.0, "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": 922.14, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 55328.62, "finance_charge": 7040.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4671, VIN 1V2CN2CA5TC580216. $922 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,329. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC580216_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": 45448.0, "price_incl_doc": 45448.0, "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": 800.05, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 57603.74, "finance_charge": 9315.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4671, VIN 1V2CN2CA5TC580216. $800 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,604. 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_1V2CN2CA5TC580216_finance_84", "type": "finance_84", "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": 45448.0, "price_incl_doc": 45448.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.82, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 60213.15, "finance_charge": 11924.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4671, VIN 1V2CN2CA5TC580216. $717 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,213. 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_1V2CN2CA5TC580216_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": 51083.0, "selling_price": 45448.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 550.51, "net_cap_cost": 46123.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 550.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 710.51}, "total_of_payments": 19836, "total_of_payments_unrounded": 19818.36}, "disclosure": "Estimated lease payment for stock #W4671, VIN 1V2CN2CA5TC580216. $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 $51,083. Lease selling price $45,448. Net capitalized cost $46,123. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA5TC580216_lease", "type": "lease", "label": "Lease", "headline": {"value": 457, "unit": "per_month", "display": "$457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 45448.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 457.21, "net_cap_cost": 43124.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 457.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3616.21}, "total_of_payments": 16452, "total_of_payments_unrounded": 16459.56}, "disclosure": "Estimated lease payment for stock #W4671, VIN 1V2CN2CA5TC580216. $457 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,616, made up of $457 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,083. Lease selling price $45,448. Net capitalized cost $43,124. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,452. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 34, "elapsed_ms": 194}}, {"vin": "3VVMR7RM2TM072679", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35192.0, "msrp": 38727.0, "sale_price": 35192.0, "currency": "USD", "mileage": 8, "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, "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": "W4423", "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 $3,535. This offer applies to Stock #W4423, VIN 3VVMR7RM2TM072679. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM2TM072679_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4423, VIN 3VVMR7RM2TM072679. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM072679_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4423, VIN 3VVMR7RM2TM072679. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM2TM072679_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4423, VIN 3VVMR7RM2TM072679. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM2TM072679_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4423, VIN 3VVMR7RM2TM072679. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM072679_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4423, VIN 3VVMR7RM2TM072679. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 185}}, {"vin": "3VVMR7RM7TM067073", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 10, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "VD261982", "stock_status": "Available", "availability": "In 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm7tm067073/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM7TM067073.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM7TM067073.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM7TM067073.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm7tm067073/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD261982, VIN 3VVMR7RM7TM067073. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM7TM067073_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261982, VIN 3VVMR7RM7TM067073. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM7TM067073_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261982, VIN 3VVMR7RM7TM067073. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM7TM067073_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261982, VIN 3VVMR7RM7TM067073. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM7TM067073_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD261982, VIN 3VVMR7RM7TM067073. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM7TM067073_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD261982, VIN 3VVMR7RM7TM067073. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 212}}, {"vin": "3VVVC7B25TM059536", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 31526.0, "msrp": 34236.0, "sale_price": 31526.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "VD262172", "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,710. This offer applies to Stock #VD262172, VIN 3VVVC7B25TM059536. 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: $34,236. Advertised price: $31,526. Savings: $2,710, 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": "$34,236"}, {"label": "Advertised price", "value": "$31,526"}, {"label": "Savings", "value": "$2,710, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,710", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31526.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B25TM059536_finance_60", "type": "finance_60", "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": 31526.0, "price_incl_doc": 31526.0, "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": 639.67, "amount_financed": 33496.38, "sales_tax": 1970.38, "total_of_payments": 38379.91, "finance_charge": 4883.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262172, VIN 3VVVC7B25TM059536. $640 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,526, before any dealer documentation fee. Amount financed $33,496, including $1,970 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,380. 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_3VVVC7B25TM059536_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": 31526.0, "price_incl_doc": 31526.0, "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": 554.97, "amount_financed": 33496.38, "sales_tax": 1970.38, "total_of_payments": 39958.1, "finance_charge": 6461.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262172, VIN 3VVVC7B25TM059536. $555 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,526, before any dealer documentation fee. Amount financed $33,496, including $1,970 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,958. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B25TM059536_finance_84", "type": "finance_84", "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": 31526.0, "price_incl_doc": 31526.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 497.24, "amount_financed": 33496.38, "sales_tax": 1970.38, "total_of_payments": 41768.18, "finance_charge": 8271.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262172, VIN 3VVVC7B25TM059536. $497 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,526, before any dealer documentation fee. Amount financed $33,496, including $1,970 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,768. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B25TM059536_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34236.0, "selling_price": 31526.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 409.06, "net_cap_cost": 32201.0, "residual_value": 21226.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 409.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 569.06}, "total_of_payments": 14724, "total_of_payments_unrounded": 14726.16}, "disclosure": "Estimated lease payment for stock #VD262172, VIN 3VVVC7B25TM059536. $409 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $569, made up of $409 first payment, $60 title, $100 registration. MSRP $34,236. Lease selling price $31,526. Net capitalized cost $32,201. Residual value $21,226, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,724. 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_3VVVC7B25TM059536_lease", "type": "lease", "label": "Lease", "headline": {"value": 316, "unit": "per_month", "display": "$316/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34236.0, "selling_price": 31526.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 315.76, "net_cap_cost": 29202.0, "residual_value": 21226.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 315.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3474.76}, "total_of_payments": 11376, "total_of_payments_unrounded": 11367.36}, "disclosure": "Estimated lease payment for stock #VD262172, VIN 3VVVC7B25TM059536. $316 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,475, made up of $316 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,236. Lease selling price $31,526. Net capitalized cost $29,202. Residual value $21,226, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,376. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 207}}, {"vin": "1V2HN2CA4TC531417", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44525.0, "msrp": 49881.0, "sale_price": 44525.0, "currency": "USD", "mileage": 13, "exterior_color": "Pure Gray", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261937", "stock_status": "Available", 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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 $5,356. This offer applies to Stock #VD261937, VIN 1V2HN2CA4TC531417. 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: $49,881. Advertised price: $44,525. Savings: $5,356, 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": "$49,881"}, {"label": "Advertised price", "value": "$44,525"}, {"label": "Savings", "value": "$5,356, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,356", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44525.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA4TC531417_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44525.0, "price_incl_doc": 44525.0, "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": 903.42, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 54204.95, "finance_charge": 6897.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261937, VIN 1V2HN2CA4TC531417. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,205. 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_1V2HN2CA4TC531417_finance_72", "type": "finance_72", "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": 44525.0, "price_incl_doc": 44525.0, "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": 783.8, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 56433.87, "finance_charge": 9126.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261937, VIN 1V2HN2CA4TC531417. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,434. 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_1V2HN2CA4TC531417_finance_84", "type": "finance_84", "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": 44525.0, "price_incl_doc": 44525.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.27, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 58990.29, "finance_charge": 11682.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261937, VIN 1V2HN2CA4TC531417. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,990. 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_1V2HN2CA4TC531417_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44525.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.6, "net_cap_cost": 45200.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.6, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.6}, "total_of_payments": 19548, "total_of_payments_unrounded": 19533.6}, "disclosure": "Estimated lease payment for stock #VD261937, VIN 1V2HN2CA4TC531417. $543 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $703, made up of $543 first payment, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,525. Net capitalized cost $45,200. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,548. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA4TC531417_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44525.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.31, "net_cap_cost": 42201.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.31}, "total_of_payments": 16164, "total_of_payments_unrounded": 16175.16}, "disclosure": "Estimated lease payment for stock #VD261937, VIN 1V2HN2CA4TC531417. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,525. Net capitalized cost $42,201. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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": 218}}, {"vin": "KM8J33A44KU841647", "title": "2019 Hyundai Tucson Value", "year": 2019, "make": "Hyundai", "model": "Tucson", "trim": "Value", "decoded_trim": "Value, SEL, Sport, Limited, Ultimate, Night", "condition": "used", "price": 14707.0, "msrp": 14707.0, "sale_price": 14777.0, "currency": "USD", "mileage": 88327, "exterior_color": "White Pearl", "interior_color": "Gray", "drivetrain": "FWD", "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": 23, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "HD261014B", "stock_status": "Available", "availability": "In Stock", 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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": 26877.0, "price_incl_doc": 26877.0, "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": 545.34, "amount_financed": 28556.81, "sales_tax": 1679.81, "total_of_payments": 32720.19, "finance_charge": 4163.38, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4246, VIN 3VWBW7BUXTM021758. $545 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,877, before any dealer documentation fee. Amount financed $28,557, including $1,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,720. 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": 26877.0, "price_incl_doc": 26877.0, "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": 473.13, "amount_financed": 28556.81, "sales_tax": 1679.81, "total_of_payments": 34065.65, "finance_charge": 5508.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4246, VIN 3VWBW7BUXTM021758. $473 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,877, before any dealer documentation fee. Amount financed $28,557, including $1,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,066. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BUXTM021758_finance_84", "type": "finance_84", "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": 26877.0, "price_incl_doc": 26877.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 423.91, "amount_financed": 28556.81, "sales_tax": 1679.81, "total_of_payments": 35608.8, "finance_charge": 7051.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4246, VIN 3VWBW7BUXTM021758. $424 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,877, before any dealer documentation fee. Amount financed $28,557, including $1,680 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,609. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BUXTM021758_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 26877.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 391.82, "net_cap_cost": 27552.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 551.82}, "total_of_payments": 14112, "total_of_payments_unrounded": 14105.52}, "disclosure": "Estimated lease payment for stock #W4246, VIN 3VWBW7BUXTM021758. $392 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $552, made up of $392 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $26,877. Net capitalized cost $27,552. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BUXTM021758_lease", "type": "lease", "label": "Lease", "headline": {"value": 299, "unit": "per_month", "display": "$299/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26877.0, "selling_price": 26877.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 298.53, "net_cap_cost": 24553.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 298.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3457.53}, "total_of_payments": 10764, "total_of_payments_unrounded": 10747.08}, "disclosure": "Estimated lease payment for stock #W4246, VIN 3VWBW7BUXTM021758. $299 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,458, made up of $299 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,877. Lease selling price $26,877. Net capitalized cost $24,553. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,764. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 201}}, {"vin": "WP1AB2A57HLB14607", "title": "2017 Porsche Macan S", "year": 2017, "make": "Porsche", "model": "Macan", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 23810.0, "msrp": 23810.0, "sale_price": 23610.0, "currency": "USD", "mileage": 59689, "exterior_color": "Jet Black Metallic", "interior_color": "Saddle Brown", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "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": "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 #HD263216AA, VIN WP1AB2A57HLB14607. Advertised price: $23,810. 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": "$23,810"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WP1AB2A57HLB14607_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": 23810.0, "price_incl_doc": 23810.0, "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": 594.01, "amount_financed": 25298.13, "sales_tax": 1488.13, "total_of_payments": 28512.54, "finance_charge": 3214.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD263216AA, VIN WP1AB2A57HLB14607. $594 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,810, before any dealer documentation fee. Amount financed $25,298, including $1,488 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,513. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23810.0, "price_incl_doc": 23810.0, "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": 494.87, "amount_financed": 25298.13, "sales_tax": 1488.13, "total_of_payments": 29692.11, "finance_charge": 4393.98, "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. $495 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,810, before any dealer documentation fee. Amount financed $25,298, including $1,488 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,692. 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"}, {"offer_id": "of_WP1AB2A57HLB14607_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": 23810.0, "price_incl_doc": 23810.0, "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": 431.19, "amount_financed": 25298.13, "sales_tax": 1488.13, "total_of_payments": 31045.43, "finance_charge": 5747.3, "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. $431 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,810, before any dealer documentation fee. Amount financed $25,298, including $1,488 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,045. 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"}], "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": 23, "elapsed_ms": 149}}, {"vin": "3VVGR7RM3TM096308", "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": "new", "price": 38744.0, "msrp": 42313.0, "sale_price": 38744.0, "currency": "USD", "mileage": 12, "exterior_color": "Opal White w/Deep Black Roof", "interior_color": "Grigio & 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": "W4513", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm096308/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM3TM096308.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM096308.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM096308.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm096308/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,569. This offer applies to Stock #W4513, VIN 3VVGR7RM3TM096308. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM096308_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4513, VIN 3VVGR7RM3TM096308. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM096308_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4513, VIN 3VVGR7RM3TM096308. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM3TM096308_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4513, VIN 3VVGR7RM3TM096308. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM3TM096308_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4513, VIN 3VVGR7RM3TM096308. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM3TM096308_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4513, VIN 3VVGR7RM3TM096308. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 210}}, {"vin": "3VVMR7RM5TM077116", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35192.0, "msrp": 38727.0, "sale_price": 35192.0, "currency": "USD", "mileage": 11, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Grigio & 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": "W4406", "stock_status": "Available", "availability": "In Stock", 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[], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm077116/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm077116/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM5TM077116.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,535. This offer applies to Stock #W4406, VIN 3VVMR7RM5TM077116. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM077116_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4406, VIN 3VVMR7RM5TM077116. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM077116_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4406, VIN 3VVMR7RM5TM077116. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM5TM077116_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4406, VIN 3VVMR7RM5TM077116. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM5TM077116_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4406, VIN 3VVMR7RM5TM077116. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM077116_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4406, VIN 3VVMR7RM5TM077116. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 226}}, {"vin": "3VW7W7BU0TM047436", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27506.0, "msrp": 29641.0, "sale_price": 27506.0, "currency": "USD", "mileage": 10, "exterior_color": "Opal White Pearl", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4451", "stock_status": "Available", "availability": "In Stock", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu0tm047436/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU0TM047436.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU0TM047436.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU0TM047436.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu0tm047436/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,135. This offer applies to Stock #W4451, VIN 3VW7W7BU0TM047436. 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: $29,641. Advertised price: $27,506. Savings: $2,135, 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": "$29,641"}, {"label": "Advertised price", "value": "$27,506"}, {"label": "Savings", "value": "$2,135, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,135", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27506.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU0TM047436_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": 27506.0, "price_incl_doc": 27506.0, "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": 558.1, "amount_financed": 29225.13, "sales_tax": 1719.13, "total_of_payments": 33485.94, "finance_charge": 4260.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4451, VIN 3VW7W7BU0TM047436. $558 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,506, before any dealer documentation fee. Amount financed $29,225, including $1,719 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,486. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU0TM047436_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": 27506.0, "price_incl_doc": 27506.0, "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": 484.21, "amount_financed": 29225.13, "sales_tax": 1719.13, "total_of_payments": 34862.89, "finance_charge": 5637.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4451, VIN 3VW7W7BU0TM047436. $484 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,506, before any dealer documentation fee. Amount financed $29,225, including $1,719 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,863. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU0TM047436_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": 27506.0, "price_incl_doc": 27506.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 433.84, "amount_financed": 29225.13, "sales_tax": 1719.13, "total_of_payments": 36442.16, "finance_charge": 7217.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4451, VIN 3VW7W7BU0TM047436. $434 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,506, before any dealer documentation fee. Amount financed $29,225, including $1,719 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,442. 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_3VW7W7BU0TM047436_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 29641.0, "selling_price": 27506.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 363.54, "net_cap_cost": 28181.0, "residual_value": 18377.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 363.54, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 523.54}, "total_of_payments": 13104, "total_of_payments_unrounded": 13087.44}, "disclosure": "Estimated lease payment for stock #W4451, VIN 3VW7W7BU0TM047436. $364 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $524, made up of $364 first payment, $60 title, $100 registration. MSRP $29,641. Lease selling price $27,506. Net capitalized cost $28,181. Residual value $18,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW7W7BU0TM047436_lease", "type": "lease", "label": "Lease", "headline": {"value": 270, "unit": "per_month", "display": "$270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29641.0, "selling_price": 27506.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 270.25, "net_cap_cost": 25182.0, "residual_value": 18377.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 270.25, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3429.25}, "total_of_payments": 9720, "total_of_payments_unrounded": 9729.0}, "disclosure": "Estimated lease payment for stock #W4451, VIN 3VW7W7BU0TM047436. $270 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,429, made up of $270 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,641. Lease selling price $27,506. Net capitalized cost $25,182. Residual value $18,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,720. 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": [{"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": 222}}, {"vin": "3VWBW7BU4TM051046", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 8, "exterior_color": "Pure White", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262209", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu4tm051046/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU4TM051046.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU4TM051046.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU4TM051046.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu4tm051046/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD262209, VIN 3VWBW7BU4TM051046. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU4TM051046_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262209, VIN 3VWBW7BU4TM051046. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM051046_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262209, VIN 3VWBW7BU4TM051046. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU4TM051046_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262209, VIN 3VWBW7BU4TM051046. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU4TM051046_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD262209, VIN 3VWBW7BU4TM051046. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM051046_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD262209, VIN 3VWBW7BU4TM051046. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": 36, "elapsed_ms": 236}}, {"vin": "1V2AC2CAXTC230870", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SEL R-Line Black", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SEL R-Line Black", "decoded_trim": "4Motion SEL R-Line Black", "condition": "new", "price": 48352.0, "msrp": 53359.0, "sale_price": 48352.0, "currency": "USD", "mileage": 9, "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": 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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 $5,007. This offer applies to Stock #W4584, VIN 1V2AC2CAXTC230870. 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: $53,359. Advertised price: $48,352. Savings: $5,007, 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": "$53,359"}, {"label": "Advertised price", "value": "$48,352"}, {"label": "Savings", "value": "$5,007, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,007", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48352.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2AC2CAXTC230870_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 981, "unit": "per_month", "display": "$981/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48352.0, "price_incl_doc": 48352.0, "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": 981.07, "amount_financed": 51374.0, "sales_tax": 3022.0, "total_of_payments": 58863.96, "finance_charge": 7489.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4584, VIN 1V2AC2CAXTC230870. $981 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,352, before any dealer documentation fee. Amount financed $51,374, including $3,022 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,864. 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_1V2AC2CAXTC230870_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": 48352.0, "price_incl_doc": 48352.0, "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": 851.17, "amount_financed": 51374.0, "sales_tax": 3022.0, "total_of_payments": 61284.46, "finance_charge": 9910.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4584, VIN 1V2AC2CAXTC230870. $851 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,352, before any dealer documentation fee. Amount financed $51,374, including $3,022 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,284. 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_1V2AC2CAXTC230870_finance_84", "type": "finance_84", "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": 48352.0, "price_incl_doc": 48352.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 762.63, "amount_financed": 51374.0, "sales_tax": 3022.0, "total_of_payments": 64060.61, "finance_charge": 12686.61, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4584, VIN 1V2AC2CAXTC230870. $763 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,352, before any dealer documentation fee. Amount financed $51,374, including $3,022 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,061. 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_1V2AC2CAXTC230870_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53359.0, "selling_price": 48352.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 601.44, "net_cap_cost": 49027.0, "residual_value": 33082.58, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 601.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 761.44}, "total_of_payments": 21636, "total_of_payments_unrounded": 21651.84}, "disclosure": "Estimated lease payment for stock #W4584, VIN 1V2AC2CAXTC230870. $601 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $761, made up of $601 first payment, $60 title, $100 registration. MSRP $53,359. Lease selling price $48,352. Net capitalized cost $49,027. Residual value $33,083, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,636. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2AC2CAXTC230870_lease", "type": "lease", "label": "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": 53359.0, "selling_price": 48352.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 508.15, "net_cap_cost": 46028.0, "residual_value": 33082.58, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 508.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3667.15}, "total_of_payments": 18288, "total_of_payments_unrounded": 18293.4}, "disclosure": "Estimated lease payment for stock #W4584, VIN 1V2AC2CAXTC230870. $508 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,667, made up of $508 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,359. Lease selling price $48,352. Net capitalized cost $46,028. Residual value $33,083, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 232}}, {"vin": "3VVGR7RM4TM072745", "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": "new", "price": 37927.0, "msrp": 41463.0, "sale_price": 37927.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "W4428", "stock_status": 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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 $3,536. This offer applies to Stock #W4428, VIN 3VVGR7RM4TM072745. 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: $41,463. Advertised price: $37,927. Savings: $3,536, 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": "$41,463"}, {"label": "Advertised price", "value": "$37,927"}, {"label": "Savings", "value": "$3,536, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,536", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM072745_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37927.0, "price_incl_doc": 37927.0, "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": 769.54, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 46172.52, "finance_charge": 5875.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4428, VIN 3VVGR7RM4TM072745. $770 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,173. 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_3VVGR7RM4TM072745_finance_72", "type": "finance_72", "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": 37927.0, "price_incl_doc": 37927.0, "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": 667.65, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 48071.14, "finance_charge": 7773.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4428, VIN 3VVGR7RM4TM072745. $668 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM4TM072745_finance_84", "type": "finance_84", "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": 37927.0, "price_incl_doc": 37927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.2, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 50248.73, "finance_charge": 9951.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4428, VIN 3VVGR7RM4TM072745. $598 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,249. 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_3VVGR7RM4TM072745_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.07, "net_cap_cost": 38602.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.07}, "total_of_payments": 17388, "total_of_payments_unrounded": 17390.52}, "disclosure": "Estimated lease payment for stock #W4428, VIN 3VVGR7RM4TM072745. $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 $41,463. Lease selling price $37,927. Net capitalized cost $38,602. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM072745_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 389.78, "net_cap_cost": 35603.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.78}, "total_of_payments": 14040, "total_of_payments_unrounded": 14032.08}, "disclosure": "Estimated lease payment for stock #W4428, VIN 3VVGR7RM4TM072745. $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 $41,463. Lease selling price $37,927. Net capitalized cost $35,603. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 211}}, {"vin": "1GYS4DKJXJR268586", "title": "2018 Cadillac Escalade Platinum", "year": 2018, "make": "Cadillac", "model": "Escalade", "trim": "Platinum", "decoded_trim": "Platinum", "condition": "used", "price": 32977.0, "msrp": 32977.0, "sale_price": 33110.0, "currency": "USD", "mileage": null, "exterior_color": "Satin Steel Metallic", "interior_color": "Maple Sugar with Jet Black Accents", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V8 6.2L/376", "engine_displacement_l": 6.2, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": 14, "mpg_hwy": 21, "range_miles": null, "battery_kwh": null, "stock_number": "HD260546XA", "stock_status": "Available", "availability": "In Stock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,977"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYS4DKJXJR268586_finance_48", "type": "finance_48", "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. 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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": 32977.0, "price_incl_doc": 32977.0, "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": 685.4, "amount_financed": 35038.06, "sales_tax": 2061.06, "total_of_payments": 41123.75, "finance_charge": 6085.69, "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. $685 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,977, before any dealer documentation fee. Amount financed $35,038, including $2,061 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,124. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYS4DKJXJR268586_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32977.0, "price_incl_doc": 32977.0, "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": 597.2, "amount_financed": 35038.06, "sales_tax": 2061.06, "total_of_payments": 42998.1, "finance_charge": 7960.04, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260546XA, VIN 1GYS4DKJXJR268586. $597 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,977, before any dealer documentation fee. Amount financed $35,038, including $2,061 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,998. 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. 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca6tc545440/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA6TC545440.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA6TC545440.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA6TC545440.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca6tc545440/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "price_excl_doc_fee": null, 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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": "$52,581"}, {"label": "Advertised price", "value": "$47,273"}, {"label": "Savings", "value": "$5,308, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,308", "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47273.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA6TC545440_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 959, "unit": "per_month", "display": "$959/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47273.0, "price_incl_doc": 47273.0, "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": 959.17, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 57550.38, "finance_charge": 7322.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262022, VIN 1V2BN2CA6TC545440. $959 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,550. 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_1V2BN2CA6TC545440_finance_72", "type": "finance_72", "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": 47273.0, "price_incl_doc": 47273.0, "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": 832.18, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 59916.86, "finance_charge": 9689.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262022, VIN 1V2BN2CA6TC545440. $832 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA6TC545440_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47273.0, "price_incl_doc": 47273.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.61, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 62631.06, "finance_charge": 12403.5, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262022, VIN 1V2BN2CA6TC545440. $746 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,631. 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_1V2BN2CA6TC545440_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": 52581.0, "selling_price": 47273.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 581.35, "net_cap_cost": 47948.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 581.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 741.35}, "total_of_payments": 20916, "total_of_payments_unrounded": 20928.6}, "disclosure": "Estimated lease payment for stock #VD262022, VIN 1V2BN2CA6TC545440. $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 $52,581. Lease selling price $47,273. Net capitalized cost $47,948. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA6TC545440_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": 52581.0, "selling_price": 47273.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.05, "net_cap_cost": 44949.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3647.05}, "total_of_payments": 17568, "total_of_payments_unrounded": 17569.8}, "disclosure": "Estimated lease payment for stock #VD262022, VIN 1V2BN2CA6TC545440. $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 $52,581. Lease selling price $47,273. Net capitalized cost $44,949. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 207}}, {"vin": "1V2FN2CA8TC523649", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "used", "price": 51120.0, "msrp": 51120.0, "sale_price": 51154.0, "currency": "USD", "mileage": 14, "exterior_color": "Avocado Green 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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1006", 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Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1v2fn2ca8tc523649/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA8TC523649.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA8TC523649.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA8TC523649.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1v2fn2ca8tc523649/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PDV1006, VIN 1V2FN2CA8TC523649. Advertised price: $51,120. 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": "$51,120"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51120.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA8TC523649_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1275, "unit": "per_month", "display": "$1,275/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51120.0, "price_incl_doc": 51120.0, "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": 1275.34, "amount_financed": 54315.0, "sales_tax": 3195.0, "total_of_payments": 61216.34, "finance_charge": 6901.34, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1006, VIN 1V2FN2CA8TC523649. $1,275 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $51,120, before any dealer documentation fee. Amount financed $54,315, including $3,195 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $61,216. 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_1V2FN2CA8TC523649_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1062, "unit": "per_month", "display": "$1,062/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51120.0, "price_incl_doc": 51120.0, "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": 1062.48, "amount_financed": 54315.0, "sales_tax": 3195.0, "total_of_payments": 63748.86, "finance_charge": 9433.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1006, VIN 1V2FN2CA8TC523649. $1,062 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $51,120, before any dealer documentation fee. Amount financed $54,315, including $3,195 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $63,749. 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_1V2FN2CA8TC523649_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 926, "unit": "per_month", "display": "$926/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51120.0, "price_incl_doc": 51120.0, "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": 925.76, "amount_financed": 54315.0, "sales_tax": 3195.0, "total_of_payments": 66654.43, "finance_charge": 12339.43, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1006, VIN 1V2FN2CA8TC523649. $926 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $51,120, before any dealer documentation fee. Amount financed $54,315, including $3,195 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $66,654. 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. 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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 #PDM0865A, VIN 5J6RM4H54FL018814. Advertised price: $18,128. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$18,128"}], "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": "2026-07-26T16:50:28Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18128.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5J6RM4H54FL018814_finance_48", "type": "finance_48", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18128.0, "price_incl_doc": 18128.0, "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": 452.26, "amount_financed": 19261.0, "sales_tax": 1133.0, "total_of_payments": 21708.33, "finance_charge": 2447.33, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0865A, VIN 5J6RM4H54FL018814. $452 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,128, before any dealer documentation fee. Amount financed $19,261, including $1,133 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,708. 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_5J6RM4H54FL018814_finance_60", "type": "finance_60", "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": 18128.0, "price_incl_doc": 18128.0, "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": 376.77, "amount_financed": 19261.0, "sales_tax": 1133.0, "total_of_payments": 22606.4, "finance_charge": 3345.4, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0865A, VIN 5J6RM4H54FL018814. $377 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,128, before any dealer documentation fee. Amount financed $19,261, including $1,133 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,606. 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_5J6RM4H54FL018814_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 328, "unit": "per_month", "display": "$328/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18128.0, "price_incl_doc": 18128.0, "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": 328.29, "amount_financed": 19261.0, "sales_tax": 1133.0, "total_of_payments": 23636.77, "finance_charge": 4375.77, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0865A, VIN 5J6RM4H54FL018814. $328 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,128, before any dealer documentation fee. Amount financed $19,261, including $1,133 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,637. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VVMR7RM5TM130817", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 39478.0, "msrp": 39478.0, "sale_price": 35873.0, "currency": "USD", "mileage": 5, "exterior_color": "Monterey Blue Pearl", "interior_color": "Grigio & 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": "W4704", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/909ab99fd5734301942531ac8d942c65.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/909ab99fd5734301942531ac8d942c65.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f7c16875f07c4cd29fd0a6a2e1e7466d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3f7f028013d24147be3bd6e3ad92e66a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c85b8cb39f384557a6c44db722aef72e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/02ce37f03aa0487b906151cefa83f85e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0cbda5e9e77940fba6fa5764787885e2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe02a95d8a86417694707086320e76ad.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39478.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm130817/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm130817/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM5TM130817.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM130817.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM130817.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm130817/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4704, VIN 3VVMR7RM5TM130817. Advertised price: $39,478. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$39,478"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39478.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM130817_finance_60", "type": "finance_60", "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": 39478.0, "price_incl_doc": 39478.0, "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": 801.01, "amount_financed": 41945.38, "sales_tax": 2467.38, "total_of_payments": 48060.71, "finance_charge": 6115.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4704, VIN 3VVMR7RM5TM130817. $801 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,478, before any dealer documentation fee. Amount financed $41,945, including $2,467 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,061. 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_3VVMR7RM5TM130817_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": 39478.0, "price_incl_doc": 39478.0, "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": 694.96, "amount_financed": 41945.38, "sales_tax": 2467.38, "total_of_payments": 50036.98, "finance_charge": 8091.6, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4704, VIN 3VVMR7RM5TM130817. $695 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,478, before any dealer documentation fee. Amount financed $41,945, including $2,467 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,037. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM130817_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39478.0, "price_incl_doc": 39478.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 622.66, "amount_financed": 41945.38, "sales_tax": 2467.38, "total_of_payments": 52303.63, "finance_charge": 10358.25, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4704, VIN 3VVMR7RM5TM130817. $623 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,478, before any dealer documentation fee. Amount financed $41,945, including $2,467 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,304. 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_3VVMR7RM5TM130817_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": 39478.0, "selling_price": 39478.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 565.68, "net_cap_cost": 40153.0, "residual_value": 24476.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 725.68}, "total_of_payments": 20376, "total_of_payments_unrounded": 20364.48}, "disclosure": "Estimated lease payment for stock #W4704, VIN 3VVMR7RM5TM130817. $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 $39,478. Lease selling price $39,478. Net capitalized cost $40,153. Residual value $24,476, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVMR7RM5TM130817_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": 39478.0, "selling_price": 39478.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 472.39, "net_cap_cost": 37154.0, "residual_value": 24476.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3631.39}, "total_of_payments": 16992, "total_of_payments_unrounded": 17006.04}, "disclosure": "Estimated lease payment for stock #W4704, VIN 3VVMR7RM5TM130817. $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 $39,478. Lease selling price $39,478. Net capitalized cost $37,154. Residual value $24,476, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2lc2ca5tc206274/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2LC2CA5TC206274.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LC2CA5TC206274.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LC2CA5TC206274.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2lc2ca5tc206274/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,655. This offer applies to Stock #W4590, VIN 1V2LC2CA5TC206274. 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: $42,801. Advertised price: $38,146. Savings: $4,655, 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": "$42,801"}, {"label": "Advertised price", "value": "$38,146"}, {"label": "Savings", "value": "$4,655, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,655", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38146.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LC2CA5TC206274_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38146.0, "price_incl_doc": 38146.0, "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": 773.99, "amount_financed": 40530.13, "sales_tax": 2384.13, "total_of_payments": 46439.13, "finance_charge": 5909.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4590, VIN 1V2LC2CA5TC206274. $774 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,146, before any dealer documentation fee. Amount financed $40,530, including $2,384 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,439. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LC2CA5TC206274_finance_72", "type": "finance_72", "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": 38146.0, "price_incl_doc": 38146.0, "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": 671.51, "amount_financed": 40530.13, "sales_tax": 2384.13, "total_of_payments": 48348.72, "finance_charge": 7818.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4590, VIN 1V2LC2CA5TC206274. $672 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,146, before any dealer documentation fee. Amount financed $40,530, including $2,384 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,349. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LC2CA5TC206274_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": 38146.0, "price_incl_doc": 38146.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.65, "amount_financed": 40530.13, "sales_tax": 2384.13, "total_of_payments": 50538.88, "finance_charge": 10008.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4590, VIN 1V2LC2CA5TC206274. $602 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,146, before any dealer documentation fee. Amount financed $40,530, including $2,384 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,539. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LC2CA5TC206274_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": 42801.0, "selling_price": 38146.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 466.72, "net_cap_cost": 38821.0, "residual_value": 26536.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 466.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 626.72}, "total_of_payments": 16812, "total_of_payments_unrounded": 16801.92}, "disclosure": "Estimated lease payment for stock #W4590, VIN 1V2LC2CA5TC206274. $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 $42,801. Lease selling price $38,146. Net capitalized cost $38,821. Residual value $26,537, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2LC2CA5TC206274_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": 42801.0, "selling_price": 38146.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 373.43, "net_cap_cost": 35822.0, "residual_value": 26536.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 373.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3532.43}, "total_of_payments": 13428, "total_of_payments_unrounded": 13443.48}, "disclosure": "Estimated lease payment for stock #W4590, VIN 1V2LC2CA5TC206274. $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 $42,801. 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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": 24408.0, "price_incl_doc": 24408.0, "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": 507.3, "amount_financed": 25933.5, "sales_tax": 1525.5, "total_of_payments": 30437.83, "finance_charge": 4504.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262678A, VIN 3MVDMBCM9PM562775. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,408, before any dealer documentation fee. Amount financed $25,934, including $1,526 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,438. 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_3MVDMBCM9PM562775_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24408.0, "price_incl_doc": 24408.0, "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": 442.02, "amount_financed": 25933.5, "sales_tax": 1525.5, "total_of_payments": 31825.14, "finance_charge": 5891.64, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262678A, VIN 3MVDMBCM9PM562775. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,408, before any dealer documentation fee. Amount financed $25,934, including $1,526 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,825. 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"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23994.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHLS4DGXTU174785_finance_48", "type": "finance_48", "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": 23994.0, "price_incl_doc": 23994.0, "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": 598.6, "amount_financed": 25493.63, "sales_tax": 1499.63, "total_of_payments": 28732.88, "finance_charge": 3239.25, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260477X, VIN KMHLS4DGXTU174785. $599 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,994, before any dealer documentation fee. Amount financed $25,494, including $1,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,733. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLS4DGXTU174785_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23994.0, "price_incl_doc": 23994.0, "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": 498.69, "amount_financed": 25493.63, "sales_tax": 1499.63, "total_of_payments": 29921.56, "finance_charge": 4427.93, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260477X, VIN KMHLS4DGXTU174785. $499 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,994, before any dealer documentation fee. Amount financed $25,494, including $1,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,922. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca9tc586498/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA9TC586498.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA9TC586498.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA9TC586498.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca9tc586498/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,083. This offer applies to Stock #W4644, VIN 1V2FN2CA9TC586498. 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: $57,198. Advertised price: $52,115. Savings: $5,083, 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": "$57,198"}, {"label": "Advertised price", "value": "$52,115"}, {"label": "Savings", "value": "$5,083, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,083", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52115.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA9TC586498_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": 52115.0, "price_incl_doc": 52115.0, "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": 1057.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 63445.06, "finance_charge": 8072.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4644, VIN 1V2FN2CA9TC586498. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,445. 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_1V2FN2CA9TC586498_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": 52115.0, "price_incl_doc": 52115.0, "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": 917.42, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 66053.93, "finance_charge": 10681.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4644, VIN 1V2FN2CA9TC586498. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA9TC586498_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": 52115.0, "price_incl_doc": 52115.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 821.98, "amount_financed": 55372.19, "sales_tax": 3257.19, "total_of_payments": 69046.13, "finance_charge": 13673.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4644, VIN 1V2FN2CA9TC586498. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,115, before any dealer documentation fee. Amount financed $55,372, including $3,257 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,046. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA9TC586498_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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.05, "net_cap_cost": 52790.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.05}, "total_of_payments": 23472, "total_of_payments_unrounded": 23473.8}, "disclosure": "Estimated lease payment for stock #W4644, VIN 1V2FN2CA9TC586498. $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 $57,198. Lease selling price $52,115. Net capitalized cost $52,790. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA9TC586498_lease", "type": "lease", "label": "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": 57198.0, "selling_price": 52115.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.76, "net_cap_cost": 49791.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3717.76}, "total_of_payments": 20124, "total_of_payments_unrounded": 20115.36}, "disclosure": "Estimated lease payment for stock #W4644, VIN 1V2FN2CA9TC586498. $559 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,718, made up of $559 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $52,115. Net capitalized cost $49,791. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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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"vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41167.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm104673/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm104673/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM2TM104673.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM2TM104673.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM2TM104673.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm104673/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,484. This offer applies to Stock #W4530, VIN 3VVGR7RM2TM104673. 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: $41,167. Advertised price: $37,683. Savings: $3,484, 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": "$41,167"}, {"label": "Advertised price", "value": "$37,683"}, {"label": "Savings", "value": "$3,484, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,484", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37683.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM2TM104673_finance_60", "type": "finance_60", "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": 37683.0, "price_incl_doc": 37683.0, "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": 764.59, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 45875.47, "finance_charge": 5837.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4530, VIN 3VVGR7RM2TM104673. $765 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,875. 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_3VVGR7RM2TM104673_finance_72", "type": "finance_72", "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": 37683.0, "price_incl_doc": 37683.0, "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": 663.36, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 47761.88, "finance_charge": 7723.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4530, VIN 3VVGR7RM2TM104673. $663 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,762. 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_3VVGR7RM2TM104673_finance_84", "type": "finance_84", "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": 37683.0, "price_incl_doc": 37683.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 594.35, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 49925.46, "finance_charge": 9887.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4530, VIN 3VVGR7RM2TM104673. $594 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,925. 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_3VVGR7RM2TM104673_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": 41167.0, "selling_price": 37683.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 480.61, "net_cap_cost": 38358.0, "residual_value": 25523.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 480.61, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 640.61}, "total_of_payments": 17316, "total_of_payments_unrounded": 17301.96}, "disclosure": "Estimated lease payment for stock #W4530, VIN 3VVGR7RM2TM104673. $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 $41,167. Lease selling price $37,683. Net capitalized cost $38,358. Residual value $25,524, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM2TM104673_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": 41167.0, "selling_price": 37683.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.31, "net_cap_cost": 35359.0, "residual_value": 25523.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.31}, "total_of_payments": 13932, "total_of_payments_unrounded": 13943.16}, "disclosure": "Estimated lease payment for stock #W4530, VIN 3VVGR7RM2TM104673. $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 $41,167. Lease selling price $37,683. Net capitalized cost $35,359. Residual value $25,524, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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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 $5,552. This offer applies to Stock #VD262244XX, VIN 1V2FN2CA1TC519703. 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: $57,831. Advertised price: $52,279. Savings: $5,552, 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": "$57,831"}, {"label": "Advertised price", "value": "$52,279"}, {"label": "Savings", "value": "$5,552, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,552", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52279.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA1TC519703_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1061, "unit": "per_month", "display": "$1,061/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "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": 1060.75, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 63644.71, "finance_charge": 8098.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262244XX, VIN 1V2FN2CA1TC519703. $1,061 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,645. 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_1V2FN2CA1TC519703_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "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": 920.3, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 66261.8, "finance_charge": 10715.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262244XX, VIN 1V2FN2CA1TC519703. $920 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,262. 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_1V2FN2CA1TC519703_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 825, "unit": "per_month", "display": "$825/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 824.56, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 69263.41, "finance_charge": 13716.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262244XX, VIN 1V2FN2CA1TC519703. $825 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,263. 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_1V2FN2CA1TC519703_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": 57831.0, "selling_price": 52279.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 646.19, "net_cap_cost": 52954.0, "residual_value": 35855.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 646.19, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 806.19}, "total_of_payments": 23256, "total_of_payments_unrounded": 23262.84}, "disclosure": "Estimated lease payment for stock #VD262244XX, VIN 1V2FN2CA1TC519703. $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 $57,831. Lease selling price $52,279. Net capitalized cost $52,954. Residual value $35,855, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA1TC519703_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": 57831.0, "selling_price": 52279.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.9, "net_cap_cost": 49955.0, "residual_value": 35855.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3711.9}, "total_of_payments": 19908, "total_of_payments_unrounded": 19904.4}, "disclosure": "Estimated lease payment for stock #VD262244XX, VIN 1V2FN2CA1TC519703. $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 $57,831. Lease selling price $52,279. Net capitalized cost $49,955. Residual value $35,855, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 263}}, {"vin": "3VVMR7RM3TM140066", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 39241.0, "msrp": 39241.0, "sale_price": 35678.0, "currency": "USD", "mileage": 5, "exterior_color": "Monterey Blue Pearl", "interior_color": "Grigio & 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": "W4724", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/6151167c93414c4aaa27f191ea244eb1.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/6151167c93414c4aaa27f191ea244eb1.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/20cd9a51723147c7ae5d2fa5cdb34b1e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/37c3116791df46c88e02ee4d997a947d.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/5b21fd190da6451a92b54fb1e2c7aa94.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/49a6348d5bc74fe9971e52e612ac43fc.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/38b35ee3dfa84ca9a1f1fad5714a4280.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/060bff4961f749f7ab9079e5cfb9b2d5.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39241.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm140066/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm140066/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM3TM140066.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM140066.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM140066.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm140066/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4724, VIN 3VVMR7RM3TM140066. Advertised price: $39,241. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$39,241"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39241.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM3TM140066_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": 39241.0, "price_incl_doc": 39241.0, "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": 796.2, "amount_financed": 41693.56, "sales_tax": 2452.56, "total_of_payments": 47772.18, "finance_charge": 6078.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4724, VIN 3VVMR7RM3TM140066. $796 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,241, before any dealer documentation fee. Amount financed $41,694, including $2,453 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,772. 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_3VVMR7RM3TM140066_finance_72", "type": "finance_72", "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": 39241.0, "price_incl_doc": 39241.0, "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": 690.79, "amount_financed": 41693.56, "sales_tax": 2452.56, "total_of_payments": 49736.58, "finance_charge": 8043.02, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4724, VIN 3VVMR7RM3TM140066. $691 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,241, before any dealer documentation fee. Amount financed $41,694, including $2,453 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,737. 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_3VVMR7RM3TM140066_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": 39241.0, "price_incl_doc": 39241.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.92, "amount_financed": 41693.56, "sales_tax": 2452.56, "total_of_payments": 51989.62, "finance_charge": 10296.06, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4724, VIN 3VVMR7RM3TM140066. $619 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,241, before any dealer documentation fee. Amount financed $41,694, including $2,453 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,990. 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_3VVMR7RM3TM140066_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": 39241.0, "selling_price": 39241.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 562.41, "net_cap_cost": 39916.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 562.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 722.41}, "total_of_payments": 20232, "total_of_payments_unrounded": 20246.76}, "disclosure": "Estimated lease payment for stock #W4724, VIN 3VVMR7RM3TM140066. $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 $39,241. Lease selling price $39,241. Net capitalized cost $39,916. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVMR7RM3TM140066_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": 39241.0, "selling_price": 39241.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.12, "net_cap_cost": 36917.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3628.12}, "total_of_payments": 16884, "total_of_payments_unrounded": 16888.32}, "disclosure": "Estimated lease payment for stock #W4724, VIN 3VVMR7RM3TM140066. $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 $39,241. Lease selling price $39,241. Net capitalized cost $36,917. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 267}}, {"vin": "3VVVC7B2XTM070791", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 31851.0, "msrp": 34641.0, "sale_price": 31851.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "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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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b2xtm070791/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b2xtm070791/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B2XTM070791.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B2XTM070791.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B2XTM070791.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b2xtm070791/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262237, VIN 3VVVC7B2XTM070791. 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: $34,641. Advertised price: $31,851. 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": "$34,641"}, {"label": "Advertised price", "value": "$31,851"}, {"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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31851.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B2XTM070791_finance_60", "type": "finance_60", "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": 31851.0, "price_incl_doc": 31851.0, "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": 646.26, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 38775.57, "finance_charge": 4933.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262237, VIN 3VVVC7B2XTM070791. $646 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,776. 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"}, {"offer_id": "of_3VVVC7B2XTM070791_finance_72", "type": "finance_72", "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": 31851.0, "price_incl_doc": 31851.0, "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": 560.69, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 40370.03, "finance_charge": 6528.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262237, VIN 3VVVC7B2XTM070791. $561 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B2XTM070791_finance_84", "type": "finance_84", "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": 31851.0, "price_incl_doc": 31851.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.37, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 42198.76, "finance_charge": 8357.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262237, VIN 3VVVC7B2XTM070791. $502 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,199. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B2XTM070791_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 412, "unit": "per_month", "display": "$412/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 412.15, "net_cap_cost": 32526.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 572.15}, "total_of_payments": 14832, "total_of_payments_unrounded": 14837.4}, "disclosure": "Estimated lease payment for stock #VD262237, VIN 3VVVC7B2XTM070791. $412 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $572, made up of $412 first payment, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $32,526. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,832. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B2XTM070791_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 318.86, "net_cap_cost": 29527.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 318.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3477.86}, "total_of_payments": 11484, "total_of_payments_unrounded": 11478.96}, "disclosure": "Estimated lease payment for stock #VD262237, VIN 3VVVC7B2XTM070791. $319 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,478, made up of $319 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $29,527. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,484. 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"}], "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": 258}}, {"vin": "3VW7W7BU4TM057032", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27495.0, "msrp": 29681.0, "sale_price": 27495.0, "currency": "USD", "mileage": 12, "exterior_color": "Monterey Blue Pearl", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4506", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlevwdownersgrove.com/v/3VW7W7BU4TM057032.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu4tm057032/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,186. This offer applies to Stock #W4506, VIN 3VW7W7BU4TM057032. 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: $29,681. Advertised price: $27,495. Savings: $2,186, 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": "$29,681"}, {"label": "Advertised price", "value": "$27,495"}, {"label": "Savings", "value": "$2,186, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,186", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_3VW7W7BU4TM057032_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 #W4506, VIN 3VW7W7BU4TM057032. $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_3VW7W7BU4TM057032_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 #W4506, VIN 3VW7W7BU4TM057032. $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_3VW7W7BU4TM057032_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 #W4506, VIN 3VW7W7BU4TM057032. $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_3VW7W7BU4TM057032_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 363, "unit": "per_month", "display": "$363/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27495.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 362.51, "net_cap_cost": 28170.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 362.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 522.51}, "total_of_payments": 13068, "total_of_payments_unrounded": 13050.36}, "disclosure": "Estimated lease payment for stock #W4506, VIN 3VW7W7BU4TM057032. $363 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $523, made up of $363 first payment, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,495. Net capitalized cost $28,170. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,068. 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_3VW7W7BU4TM057032_lease", "type": "lease", "label": "Lease", "headline": {"value": 269, "unit": "per_month", "display": "$269/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27495.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 269.22, "net_cap_cost": 25171.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 269.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3428.22}, "total_of_payments": 9684, "total_of_payments_unrounded": 9691.92}, "disclosure": "Estimated lease payment for stock #W4506, VIN 3VW7W7BU4TM057032. $269 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,428, made up of $269 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,495. Net capitalized cost $25,171. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,684. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 249}}, {"vin": "1V2FN2CA4TC586179", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 57653.0, "msrp": 57653.0, "sale_price": 52552.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4667", 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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 #W4667, VIN 1V2FN2CA4TC586179. Advertised price: $57,653. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$57,653"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57653.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA4TC586179_finance_60", "type": "finance_60", "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": 57653.0, "price_incl_doc": 57653.0, "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": 1169.78, "amount_financed": 61256.31, "sales_tax": 3603.31, "total_of_payments": 70187.04, "finance_charge": 8930.73, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4667, VIN 1V2FN2CA4TC586179. $1,170 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,653, before any dealer documentation fee. Amount financed $61,256, including $3,603 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $70,187. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC586179_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1015, "unit": "per_month", "display": "$1,015/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57653.0, "price_incl_doc": 57653.0, "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": 1014.9, "amount_financed": 61256.31, "sales_tax": 3603.31, "total_of_payments": 73073.15, "finance_charge": 11816.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4667, VIN 1V2FN2CA4TC586179. $1,015 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,653, before any dealer documentation fee. Amount financed $61,256, including $3,603 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $73,073. 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"}, {"offer_id": "of_1V2FN2CA4TC586179_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": 57653.0, "price_incl_doc": 57653.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 909.33, "amount_financed": 61256.31, "sales_tax": 3603.31, "total_of_payments": 76383.31, "finance_charge": 15127.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4667, VIN 1V2FN2CA4TC586179. $909 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,653, before any dealer documentation fee. Amount financed $61,256, including $3,603 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $76,383. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC586179_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57653.0, "selling_price": 57653.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 816.44, "net_cap_cost": 58328.0, "residual_value": 35744.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 816.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 976.44}, "total_of_payments": 29376, "total_of_payments_unrounded": 29391.84}, "disclosure": "Estimated lease payment for stock #W4667, VIN 1V2FN2CA4TC586179. $816 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $976, made up of $816 first payment, $60 title, $100 registration. MSRP $57,653. Lease selling price $57,653. Net capitalized cost $58,328. Residual value $35,745, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $29,376. 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_1V2FN2CA4TC586179_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57653.0, "selling_price": 57653.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 723.15, "net_cap_cost": 55329.0, "residual_value": 35744.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 723.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3882.15}, "total_of_payments": 26028, "total_of_payments_unrounded": 26033.4}, "disclosure": "Estimated lease payment for stock #W4667, VIN 1V2FN2CA4TC586179. $723 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,882, made up of $723 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,653. Lease selling price $57,653. Net capitalized cost $55,329. Residual value $35,745, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,028. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 268}}, {"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": 43790.0, "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.castlevwdownersgrove.com/sticker/5NMP4DGL3TH158282.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp4dgl3th158282/2026-hyundai-santa-fe-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMP4DGL3TH158282.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMP4DGL3TH158282.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMP4DGL3TH158282.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp4dgl3th158282/2026-hyundai-santa-fe-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260127, VIN 5NMP4DGL3TH158282. Advertised price: $43,790. 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": "$43,790"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43790.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1092, "unit": "per_month", "display": "$1,092/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1092.47, "amount_financed": 46526.88, "sales_tax": 2736.88, "total_of_payments": 52438.65, "finance_charge": 5911.77, "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. $1,092 per month for 48 months at 5.99% 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 $23.48 per $1,000 financed. Total of payments $52,439. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 910.13, "amount_financed": 46526.88, "sales_tax": 2736.88, "total_of_payments": 54608.03, "finance_charge": 8081.15, "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. $910 per month for 60 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 $19.56 per $1,000 financed. Total of payments $54,608. 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_5NMP4DGL3TH158282_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 793.01, "amount_financed": 46526.88, "sales_tax": 2736.88, "total_of_payments": 57096.99, "finance_charge": 10570.11, "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. $793 per month for 72 months at 6.99% 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 $17.04 per $1,000 financed. Total of payments $57,097. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 183}}, {"vin": "3VVMR7RM8TM145053", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 38786.0, "msrp": 38786.0, "sale_price": 35241.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "W4749", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_1.jpg", "images": ["https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_1.jpg", "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_2.jpg", "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_3.jpg", "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_4.jpg", "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_5.jpg", "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_6.jpg", "https://vw.assets.shiftdigitalinventory.com/2026/07/3VVMR7RM8TM145053_7.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm145053/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm145053/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM8TM145053.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM145053.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM145053.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm145053/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4749, VIN 3VVMR7RM8TM145053. Advertised price: $38,786. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$38,786"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38786.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM145053_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 787, "unit": "per_month", "display": "$787/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38786.0, "price_incl_doc": 38786.0, "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": 786.97, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 47218.27, "finance_charge": 6008.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4749, VIN 3VVMR7RM8TM145053. $787 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,218. 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_3VVMR7RM8TM145053_finance_72", "type": "finance_72", "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": 38786.0, "price_incl_doc": 38786.0, "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": 682.78, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 49159.9, "finance_charge": 7949.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4749, VIN 3VVMR7RM8TM145053. $683 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,160. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM145053_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38786.0, "price_incl_doc": 38786.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.75, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 51386.81, "finance_charge": 10176.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4749, VIN 3VVMR7RM8TM145053. $612 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,387. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM145053_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 38786.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 556.13, "net_cap_cost": 39461.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 716.13}, "total_of_payments": 20016, "total_of_payments_unrounded": 20020.68}, "disclosure": "Estimated lease payment for stock #W4749, VIN 3VVMR7RM8TM145053. $556 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $716, made up of $556 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $38,786. Net capitalized cost $39,461. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,016. 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"}, {"offer_id": "of_3VVMR7RM8TM145053_lease", "type": "lease", "label": "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": 38786.0, "selling_price": 38786.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 462.84, "net_cap_cost": 36462.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3621.84}, "total_of_payments": 16668, "total_of_payments_unrounded": 16662.24}, "disclosure": "Estimated lease payment for stock #W4749, VIN 3VVMR7RM8TM145053. $463 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,622, made up of $463 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $38,786. Net capitalized cost $36,462. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 302}}, {"vin": "3VWBW7BU8TM031706", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm031706/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU8TM031706.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM031706.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM031706.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm031706/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD261921, VIN 3VWBW7BU8TM031706. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU8TM031706_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261921, VIN 3VWBW7BU8TM031706. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU8TM031706_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261921, VIN 3VWBW7BU8TM031706. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU8TM031706_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261921, VIN 3VWBW7BU8TM031706. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU8TM031706_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD261921, VIN 3VWBW7BU8TM031706. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU8TM031706_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD261921, VIN 3VWBW7BU8TM031706. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm071891/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM071891.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM071891.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM071891.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm071891/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262122, VIN 3VVMR7RM6TM071891. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM071891_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262122, VIN 3VVMR7RM6TM071891. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM071891_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262122, VIN 3VVMR7RM6TM071891. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM6TM071891_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262122, VIN 3VVMR7RM6TM071891. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM071891_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262122, VIN 3VVMR7RM6TM071891. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM6TM071891_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262122, VIN 3VVMR7RM6TM071891. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 310}}, {"vin": "1V2KC2CA7TC211410", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43709.0, "msrp": 48606.0, "sale_price": 43709.0, "currency": "USD", "mileage": 5, "exterior_color": "Pure Gray", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261666", 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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 $4,897. This offer applies to Stock #VD261666, VIN 1V2KC2CA7TC211410. 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: $48,606. Advertised price: $43,709. Savings: $4,897, 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": "$48,606"}, {"label": "Advertised price", "value": "$43,709"}, {"label": "Savings", "value": "$4,897, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,897", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43709.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA7TC211410_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 887, "unit": "per_month", "display": "$887/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43709.0, "price_incl_doc": 43709.0, "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": 886.86, "amount_financed": 46440.81, "sales_tax": 2731.81, "total_of_payments": 53211.55, "finance_charge": 6770.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261666, VIN 1V2KC2CA7TC211410. $887 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,709, before any dealer documentation fee. Amount financed $46,441, including $2,732 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,212. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA7TC211410_finance_72", "type": "finance_72", "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": 43709.0, "price_incl_doc": 43709.0, "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": 769.44, "amount_financed": 46440.81, "sales_tax": 2731.81, "total_of_payments": 55399.62, "finance_charge": 8958.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261666, VIN 1V2KC2CA7TC211410. $769 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,709, before any dealer documentation fee. Amount financed $46,441, including $2,732 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,400. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA7TC211410_finance_84", "type": "finance_84", "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": 43709.0, "price_incl_doc": 43709.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 689.4, "amount_financed": 46440.81, "sales_tax": 2731.81, "total_of_payments": 57909.18, "finance_charge": 11468.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261666, VIN 1V2KC2CA7TC211410. $689 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,709, before any dealer documentation fee. Amount financed $46,441, including $2,732 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,909. 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_1V2KC2CA7TC211410_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48606.0, "selling_price": 43709.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 539.29, "net_cap_cost": 44384.0, "residual_value": 30135.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 539.29, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 699.29}, "total_of_payments": 19404, "total_of_payments_unrounded": 19414.44}, "disclosure": "Estimated lease payment for stock #VD261666, VIN 1V2KC2CA7TC211410. $539 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $699, made up of $539 first payment, $60 title, $100 registration. MSRP $48,606. Lease selling price $43,709. Net capitalized cost $44,384. Residual value $30,136, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,404. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA7TC211410_lease", "type": "lease", "label": "Lease", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48606.0, "selling_price": 43709.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 446.0, "net_cap_cost": 41385.0, "residual_value": 30135.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 446, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3605}, "total_of_payments": 16056, "total_of_payments_unrounded": 16056.0}, "disclosure": "Estimated lease payment for stock #VD261666, VIN 1V2KC2CA7TC211410. $446 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,605, made up of $446 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,606. Lease selling price $43,709. Net capitalized cost $41,385. Residual value $30,136, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,056. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $4,884. This offer applies to Stock #W4541, VIN 1V2BC2CA9TC226331. 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: $51,178. Advertised price: $46,294. Savings: $4,884, 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": "$51,178"}, {"label": "Advertised price", "value": "$46,294"}, {"label": "Savings", "value": "$4,884, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,884", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46294.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BC2CA9TC226331_finance_60", "type": "finance_60", "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": 46294.0, "price_incl_doc": 46294.0, "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": 939.31, "amount_financed": 49187.38, "sales_tax": 2893.38, "total_of_payments": 56358.55, "finance_charge": 7171.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4541, VIN 1V2BC2CA9TC226331. $939 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,294, before any dealer documentation fee. Amount financed $49,187, including $2,893 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,359. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BC2CA9TC226331_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46294.0, "price_incl_doc": 46294.0, "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": 814.94, "amount_financed": 49187.38, "sales_tax": 2893.38, "total_of_payments": 58676.02, "finance_charge": 9488.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4541, VIN 1V2BC2CA9TC226331. $815 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,294, before any dealer documentation fee. Amount financed $49,187, including $2,893 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,676. 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_1V2BC2CA9TC226331_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46294.0, "price_incl_doc": 46294.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 730.17, "amount_financed": 49187.38, "sales_tax": 2893.38, "total_of_payments": 61334.01, "finance_charge": 12146.63, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4541, VIN 1V2BC2CA9TC226331. $730 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,294, before any dealer documentation fee. Amount financed $49,187, including $2,893 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,334. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BC2CA9TC226331_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51178.0, "selling_price": 46294.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 575.18, "net_cap_cost": 46969.0, "residual_value": 31730.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 575.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 735.18}, "total_of_payments": 20700, "total_of_payments_unrounded": 20706.48}, "disclosure": "Estimated lease payment for stock #W4541, VIN 1V2BC2CA9TC226331. $575 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $735, made up of $575 first payment, $60 title, $100 registration. MSRP $51,178. Lease selling price $46,294. Net capitalized cost $46,969. Residual value $31,730, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,700. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BC2CA9TC226331_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51178.0, "selling_price": 46294.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 481.89, "net_cap_cost": 43970.0, "residual_value": 31730.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 481.89, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3640.89}, "total_of_payments": 17352, "total_of_payments_unrounded": 17348.04}, "disclosure": "Estimated lease payment for stock #W4541, VIN 1V2BC2CA9TC226331. $482 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,641, made up of $482 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,178. Lease selling price $46,294. Net capitalized cost $43,970. Residual value $31,730, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $17,352. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50332.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc524874/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc524874/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA5TC524874.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,565. This offer applies to Stock #W4179, VIN 1V2CN2CA5TC524874. 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: $50,332. Advertised price: $44,767. Savings: $5,565, 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": "$50,332"}, {"label": "Advertised price", "value": "$44,767"}, {"label": "Savings", "value": "$5,565, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,565", "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", "computed_offers": {"generated_at": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44767.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA5TC524874_finance_60", "type": "finance_60", "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": 44767.0, "price_incl_doc": 44767.0, "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": 908.33, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 54499.57, "finance_charge": 6934.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4179, VIN 1V2CN2CA5TC524874. $908 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC524874_finance_72", "type": "finance_72", "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": 44767.0, "price_incl_doc": 44767.0, "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": 788.06, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 56740.6, "finance_charge": 9175.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4179, VIN 1V2CN2CA5TC524874. $788 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,741. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC524874_finance_84", "type": "finance_84", "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": 44767.0, "price_incl_doc": 44767.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.08, "amount_financed": 47564.94, "sales_tax": 2797.94, "total_of_payments": 59310.91, "finance_charge": 11745.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4179, VIN 1V2CN2CA5TC524874. $706 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,767, before any dealer documentation fee. Amount financed $47,565, including $2,798 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,311. 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_1V2CN2CA5TC524874_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 44767.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.32, "net_cap_cost": 45442.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.32}, "total_of_payments": 19512, "total_of_payments_unrounded": 19523.52}, "disclosure": "Estimated lease payment for stock #W4179, VIN 1V2CN2CA5TC524874. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $50,332. Lease selling price $44,767. Net capitalized cost $45,442. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC524874_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 44767.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.03, "net_cap_cost": 42443.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.03}, "total_of_payments": 16164, "total_of_payments_unrounded": 16165.08}, "disclosure": "Estimated lease payment for stock #W4179, VIN 1V2CN2CA5TC524874. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,332. Lease selling price $44,767. Net capitalized cost $42,443. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu1tm032959/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,124. This offer applies to Stock #W4600, VIN 3VW7W7BU1TM032959. 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: $29,731. Advertised price: $27,607. Savings: $2,124, 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": "$29,731"}, {"label": "Advertised price", "value": "$27,607"}, {"label": "Savings", "value": "$2,124, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,124", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27607.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU1TM032959_finance_60", "type": "finance_60", "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": 27607.0, "price_incl_doc": 27607.0, "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": 560.15, "amount_financed": 29332.44, "sales_tax": 1725.44, "total_of_payments": 33608.9, "finance_charge": 4276.46, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4600, VIN 3VW7W7BU1TM032959. $560 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,607, before any dealer documentation fee. Amount financed $29,332, including $1,725 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,609. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU1TM032959_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27607.0, "price_incl_doc": 27607.0, "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": 485.98, "amount_financed": 29332.44, "sales_tax": 1725.44, "total_of_payments": 34990.9, "finance_charge": 5658.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4600, VIN 3VW7W7BU1TM032959. $486 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,607, before any dealer documentation fee. Amount financed $29,332, including $1,725 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,991. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU1TM032959_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": 27607.0, "price_incl_doc": 27607.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 435.43, "amount_financed": 29332.44, "sales_tax": 1725.44, "total_of_payments": 36575.97, "finance_charge": 7243.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4600, VIN 3VW7W7BU1TM032959. $435 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,607, before any dealer documentation fee. Amount financed $29,332, including $1,725 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,576. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU1TM032959_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 29731.0, "selling_price": 27607.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 365.13, "net_cap_cost": 28282.0, "residual_value": 18433.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 365.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 525.13}, "total_of_payments": 13140, "total_of_payments_unrounded": 13144.68}, "disclosure": "Estimated lease payment for stock #W4600, VIN 3VW7W7BU1TM032959. $365 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $525, made up of $365 first payment, $60 title, $100 registration. MSRP $29,731. Lease selling price $27,607. Net capitalized cost $28,282. Residual value $18,433, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW7W7BU1TM032959_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29731.0, "selling_price": 27607.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 271.84, "net_cap_cost": 25283.0, "residual_value": 18433.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 271.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3430.84}, "total_of_payments": 9792, "total_of_payments_unrounded": 9786.24}, "disclosure": "Estimated lease payment for stock #W4600, VIN 3VW7W7BU1TM032959. $272 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,431, made up of $272 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,731. Lease selling price $27,607. Net capitalized cost $25,283. Residual value $18,433, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,792. 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"}], "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": 301}}, {"vin": "3VW5W7BU2TM041886", "title": "2026 Volkswagen Jetta S", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 23366.0, "msrp": 25685.0, "sale_price": 23366.0, "currency": "USD", "mileage": 5, "exterior_color": "Pure 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD261997", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw5w7bu2tm041886/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW5W7BU2TM041886.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW5W7BU2TM041886.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW5W7BU2TM041886.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw5w7bu2tm041886/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,319. This offer applies to Stock #VD261997, VIN 3VW5W7BU2TM041886. 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: $25,685. Advertised price: $23,366. Savings: $2,319, 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": "$25,685"}, {"label": "Advertised price", "value": "$23,366"}, {"label": "Savings", "value": "$2,319, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,319", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23366.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW5W7BU2TM041886_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 474, "unit": "per_month", "display": "$474/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23366.0, "price_incl_doc": 23366.0, "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": 474.1, "amount_financed": 24826.38, "sales_tax": 1460.38, "total_of_payments": 28445.89, "finance_charge": 3619.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261997, VIN 3VW5W7BU2TM041886. $474 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,366, before any dealer documentation fee. Amount financed $24,826, including $1,460 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $28,446. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU2TM041886_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23366.0, "price_incl_doc": 23366.0, "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": 411.33, "amount_financed": 24826.38, "sales_tax": 1460.38, "total_of_payments": 29615.59, "finance_charge": 4789.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261997, VIN 3VW5W7BU2TM041886. $411 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,366, before any dealer documentation fee. Amount financed $24,826, including $1,460 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $29,616. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU2TM041886_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23366.0, "price_incl_doc": 23366.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 368.54, "amount_financed": 24826.38, "sales_tax": 1460.38, "total_of_payments": 30957.16, "finance_charge": 6130.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261997, VIN 3VW5W7BU2TM041886. $369 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $23,366, before any dealer documentation fee. Amount financed $24,826, including $1,460 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $30,957. 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_3VW5W7BU2TM041886_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 25685.0, "selling_price": 23366.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 303.24, "net_cap_cost": 24041.0, "residual_value": 15924.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 303.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 463.24}, "total_of_payments": 10908, "total_of_payments_unrounded": 10916.64}, "disclosure": "Estimated lease payment for stock #VD261997, VIN 3VW5W7BU2TM041886. $303 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $463, made up of $303 first payment, $60 title, $100 registration. MSRP $25,685. Lease selling price $23,366. Net capitalized cost $24,041. Residual value $15,925, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,908. 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"}, {"offer_id": "of_3VW5W7BU2TM041886_lease", "type": "lease", "label": "Lease", "headline": {"value": 210, "unit": "per_month", "display": "$210/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 25685.0, "selling_price": 23366.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 209.95, "net_cap_cost": 21042.0, "residual_value": 15924.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 209.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3368.95}, "total_of_payments": 7560, "total_of_payments_unrounded": 7558.2}, "disclosure": "Estimated lease payment for stock #VD261997, VIN 3VW5W7BU2TM041886. $210 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,369, made up of $210 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $25,685. Lease selling price $23,366. Net capitalized cost $21,042. Residual value $15,925, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $7,560. 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"}], "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": 319}}, {"vin": "3VWBW7BU1TM020076", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 24893.0, "msrp": 26834.0, "sale_price": 24893.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black Pearl", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4238", "stock_status": "Available", "availability": "In Stock", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm020076/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU1TM020076.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM020076.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM020076.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm020076/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $1,941. This offer applies to Stock #W4238, VIN 3VWBW7BU1TM020076. 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: $26,834. Advertised price: $24,893. Savings: $1,941, 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": "$26,834"}, {"label": "Advertised price", "value": "$24,893"}, {"label": "Savings", "value": "$1,941, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,941", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24893.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU1TM020076_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24893.0, "price_incl_doc": 24893.0, "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": 505.08, "amount_financed": 26448.81, "sales_tax": 1555.81, "total_of_payments": 30304.86, "finance_charge": 3856.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4238, VIN 3VWBW7BU1TM020076. $505 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,893, before any dealer documentation fee. Amount financed $26,449, including $1,556 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,305. 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_3VWBW7BU1TM020076_finance_72", "type": "finance_72", "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": 24893.0, "price_incl_doc": 24893.0, "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": 438.21, "amount_financed": 26448.81, "sales_tax": 1555.81, "total_of_payments": 31551.0, "finance_charge": 5102.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4238, VIN 3VWBW7BU1TM020076. $438 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,893, before any dealer documentation fee. Amount financed $26,449, including $1,556 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,551. 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_3VWBW7BU1TM020076_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24893.0, "price_incl_doc": 24893.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 392.62, "amount_financed": 26448.81, "sales_tax": 1555.81, "total_of_payments": 32980.24, "finance_charge": 6531.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4238, VIN 3VWBW7BU1TM020076. $393 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,893, before any dealer documentation fee. Amount financed $26,449, including $1,556 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $32,980. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU1TM020076_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26834.0, "selling_price": 24893.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 330.85, "net_cap_cost": 25568.0, "residual_value": 16637.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 330.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 490.85}, "total_of_payments": 11916, "total_of_payments_unrounded": 11910.6}, "disclosure": "Estimated lease payment for stock #W4238, VIN 3VWBW7BU1TM020076. $331 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $491, made up of $331 first payment, $60 title, $100 registration. MSRP $26,834. Lease selling price $24,893. Net capitalized cost $25,568. Residual value $16,637, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU1TM020076_lease", "type": "lease", "label": "Lease", "headline": {"value": 238, "unit": "per_month", "display": "$238/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26834.0, "selling_price": 24893.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 237.56, "net_cap_cost": 22569.0, "residual_value": 16637.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 237.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3396.56}, "total_of_payments": 8568, "total_of_payments_unrounded": 8552.16}, "disclosure": "Estimated lease payment for stock #W4238, VIN 3VWBW7BU1TM020076. $238 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,397, made up of $238 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,834. Lease selling price $24,893. Net capitalized cost $22,569. Residual value $16,637, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,568. 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": [{"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 $5,409. This offer applies to Stock #VD262271, VIN 1V2KN2CA5TC581877. 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: $49,931. Advertised price: $44,522. Savings: $5,409, 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": "$49,931"}, {"label": "Advertised price", "value": "$44,522"}, {"label": "Savings", "value": "$5,409, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,409", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44522.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA5TC581877_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44522.0, "price_incl_doc": 44522.0, "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": 903.36, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 54201.3, "finance_charge": 6896.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262271, VIN 1V2KN2CA5TC581877. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC581877_finance_72", "type": "finance_72", "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": 44522.0, "price_incl_doc": 44522.0, "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": 783.75, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 56430.08, "finance_charge": 9125.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262271, VIN 1V2KN2CA5TC581877. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,430. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC581877_finance_84", "type": "finance_84", "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": 44522.0, "price_incl_doc": 44522.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.22, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 58986.32, "finance_charge": 11681.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262271, VIN 1V2KN2CA5TC581877. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,986. 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_1V2KN2CA5TC581877_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.64, "net_cap_cost": 45197.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.64}, "total_of_payments": 19512, "total_of_payments_unrounded": 19499.04}, "disclosure": "Estimated lease payment for stock #VD262271, VIN 1V2KN2CA5TC581877. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $45,197. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC581877_lease", "type": "lease", "label": "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": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.35, "net_cap_cost": 42198.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.35}, "total_of_payments": 16128, "total_of_payments_unrounded": 16140.6}, "disclosure": "Estimated lease payment for stock #VD262271, VIN 1V2KN2CA5TC581877. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $42,198. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 224}}, {"vin": "1V2KN2CA1TC588812", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45359.0, "msrp": 50451.0, "sale_price": 45359.0, "currency": "USD", "mileage": 6, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4652", "stock_status": "Available", 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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 $5,092. This offer applies to Stock #W4652, VIN 1V2KN2CA1TC588812. 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: $50,451. Advertised price: $45,359. Savings: $5,092, 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": "$50,451"}, {"label": "Advertised price", "value": "$45,359"}, {"label": "Savings", "value": "$5,092, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,092", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45359.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA1TC588812_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45359.0, "price_incl_doc": 45359.0, "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": 920.34, "amount_financed": 48193.94, "sales_tax": 2834.94, "total_of_payments": 55220.27, "finance_charge": 7026.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4652, VIN 1V2KN2CA1TC588812. $920 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,359, before any dealer documentation fee. Amount financed $48,194, including $2,835 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,220. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC588812_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 798, "unit": "per_month", "display": "$798/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45359.0, "price_incl_doc": 45359.0, "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": 798.49, "amount_financed": 48193.94, "sales_tax": 2834.94, "total_of_payments": 57490.94, "finance_charge": 9297.0, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4652, VIN 1V2KN2CA1TC588812. $798 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,359, before any dealer documentation fee. Amount financed $48,194, including $2,835 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,491. 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"}, {"offer_id": "of_1V2KN2CA1TC588812_finance_84", "type": "finance_84", "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": 45359.0, "price_incl_doc": 45359.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 715.42, "amount_financed": 48193.94, "sales_tax": 2834.94, "total_of_payments": 60095.24, "finance_charge": 11901.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4652, VIN 1V2KN2CA1TC588812. $715 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,359, before any dealer documentation fee. Amount financed $48,194, including $2,835 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,095. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC588812_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": 50451.0, "selling_price": 45359.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.68, "net_cap_cost": 46034.0, "residual_value": 31279.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 718.68}, "total_of_payments": 20124, "total_of_payments_unrounded": 20112.48}, "disclosure": "Estimated lease payment for stock #W4652, VIN 1V2KN2CA1TC588812. $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 $50,451. Lease selling price $45,359. Net capitalized cost $46,034. Residual value $31,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA1TC588812_lease", "type": "lease", "label": "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": 50451.0, "selling_price": 45359.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 465.39, "net_cap_cost": 43035.0, "residual_value": 31279.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3624.39}, "total_of_payments": 16740, "total_of_payments_unrounded": 16754.04}, "disclosure": "Estimated lease payment for stock #W4652, VIN 1V2KN2CA1TC588812. $465 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,624, made up of $465 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,451. Lease selling price $45,359. Net capitalized cost $43,035. Residual value $31,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 35, "elapsed_ms": 243}}, {"vin": "JM1BPABM7S1761342", "title": "2025 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2025, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport Package", "condition": "used", "price": 22250.0, "msrp": 22250.0, "sale_price": 22477.0, "currency": "USD", "mileage": 46887, "exterior_color": "Jet Black Mica", "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": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0918", "stock_status": "Available", "availability": "In 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"https://www.castlevwdownersgrove.com/viewdetails/used/jm1bpabm7s1761342/2025-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22250.0, "price_incl_doc": 22250.0, "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": 462.45, "amount_financed": 23640.63, "sales_tax": 1390.63, "total_of_payments": 27746.72, "finance_charge": 4106.09, "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. $462 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,250, before any dealer documentation fee. Amount financed $23,641, including $1,391 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,747. 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_JM1BPABM7S1761342_finance_72", "type": "finance_72", "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": 22250.0, "price_incl_doc": 22250.0, "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": 402.94, "amount_financed": 23640.63, "sales_tax": 1390.63, "total_of_payments": 29011.37, "finance_charge": 5370.74, "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. $403 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,250, before any dealer documentation fee. Amount financed $23,641, including $1,391 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,011. 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"}], "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": 26907.0, "price_incl_doc": 26907.0, "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": 559.24, "amount_financed": 28588.69, "sales_tax": 1681.69, "total_of_payments": 33554.2, "finance_charge": 4965.51, "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. $559 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,907, before any dealer documentation fee. Amount financed $28,589, including $1,682 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,554. 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": 26907.0, "price_incl_doc": 26907.0, "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": 487.27, "amount_financed": 28588.69, "sales_tax": 1681.69, "total_of_payments": 35083.55, "finance_charge": 6494.86, "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. $487 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,907, before any dealer documentation fee. Amount financed $28,589, including $1,682 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,084. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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[], "price_history": [], "window_sticker": {"msrp": 34962.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm052180/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm052180/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B21TM052180.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM052180.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM052180.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm052180/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,491. This offer applies to Stock #W4413, VIN 3VVVC7B21TM052180. 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: $34,962. Advertised price: $32,471. Savings: $2,491, 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": "$34,962"}, {"label": "Advertised price", "value": "$32,471"}, {"label": "Savings", "value": "$2,491, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,491", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32471.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B21TM052180_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": 32471.0, "price_incl_doc": 32471.0, "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": 658.84, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 39530.36, "finance_charge": 5029.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4413, VIN 3VVVC7B21TM052180. $659 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,530. 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"}, {"offer_id": "of_3VVVC7B21TM052180_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": 32471.0, "price_incl_doc": 32471.0, "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": 571.61, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 41155.85, "finance_charge": 6655.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4413, VIN 3VVVC7B21TM052180. $572 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,156. 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_3VVVC7B21TM052180_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32471.0, "price_incl_doc": 32471.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 512.15, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 43020.19, "finance_charge": 8519.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4413, VIN 3VVVC7B21TM052180. $512 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,020. 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_3VVVC7B21TM052180_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 425.88, "net_cap_cost": 33146.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 425.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 585.88}, "total_of_payments": 15336, "total_of_payments_unrounded": 15331.68}, "disclosure": "Estimated lease payment for stock #W4413, VIN 3VVVC7B21TM052180. $426 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $586, made up of $426 first payment, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $33,146. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B21TM052180_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 332.59, "net_cap_cost": 30147.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 332.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3491.59}, "total_of_payments": 11988, "total_of_payments_unrounded": 11973.24}, "disclosure": "Estimated lease payment for stock #W4413, VIN 3VVVC7B21TM052180. $333 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,492, made up of $333 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,962. 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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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43000.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1073, "unit": "per_month", "display": "$1,073/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43000.0, "price_incl_doc": 43000.0, "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": 1072.76, "amount_financed": 45687.5, "sales_tax": 2687.5, "total_of_payments": 51492.61, "finance_charge": 5805.11, "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. $1,073 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $43,000, before any dealer documentation fee. Amount financed $45,688, including $2,688 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $51,493. 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_1V2KC2CA4TC201708_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 894, "unit": "per_month", "display": "$894/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43000.0, "price_incl_doc": 43000.0, "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": 893.71, "amount_financed": 45687.5, "sales_tax": 2687.5, "total_of_payments": 53622.86, "finance_charge": 7935.36, "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. $894 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $43,000, before any dealer documentation fee. Amount financed $45,688, including $2,688 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $53,623. 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": 43000.0, "price_incl_doc": 43000.0, "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": 778.71, "amount_financed": 45687.5, "sales_tax": 2687.5, "total_of_payments": 56066.91, "finance_charge": 10379.41, "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. $779 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $43,000, before any dealer documentation fee. Amount financed $45,688, including $2,688 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $56,067. Offer expires 2026-07-31. Estimated for ZIP 60515. 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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": "$32,881"}, {"label": "Advertised price", "value": "$29,720"}, {"label": "Savings", "value": "$3,161, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,161", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29720.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVCR7RM6TM140719_finance_60", "type": "finance_60", "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": 29720.0, "price_incl_doc": 29720.0, "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": 603.02, "amount_financed": 31577.5, "sales_tax": 1857.5, "total_of_payments": 36181.27, "finance_charge": 4603.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4735, VIN 3VVCR7RM6TM140719. $603 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,720, before any dealer documentation fee. Amount financed $31,578, including $1,858 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,181. 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_3VVCR7RM6TM140719_finance_72", "type": "finance_72", "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": 29720.0, "price_incl_doc": 29720.0, "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": 523.18, "amount_financed": 31577.5, "sales_tax": 1857.5, "total_of_payments": 37669.06, "finance_charge": 6091.56, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4735, VIN 3VVCR7RM6TM140719. $523 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,720, before any dealer documentation fee. Amount financed $31,578, including $1,858 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,669. 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_3VVCR7RM6TM140719_finance_84", "type": "finance_84", "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": 29720.0, "price_incl_doc": 29720.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 468.76, "amount_financed": 31577.5, "sales_tax": 1857.5, "total_of_payments": 39375.44, "finance_charge": 7797.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4735, VIN 3VVCR7RM6TM140719. $469 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,720, before any dealer documentation fee. Amount financed $31,578, including $1,858 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,375. 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_3VVCR7RM6TM140719_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": 32881.0, "selling_price": 29720.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 376.33, "net_cap_cost": 30395.0, "residual_value": 20386.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.33, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 536.33}, "total_of_payments": 13536, "total_of_payments_unrounded": 13547.88}, "disclosure": "Estimated lease payment for stock #W4735, VIN 3VVCR7RM6TM140719. $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 $32,881. Lease selling price $29,720. Net capitalized cost $30,395. Residual value $20,386, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVCR7RM6TM140719_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32881.0, "selling_price": 29720.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 283.04, "net_cap_cost": 27396.0, "residual_value": 20386.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 283.04, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3442.04}, "total_of_payments": 10188, "total_of_payments_unrounded": 10189.44}, "disclosure": "Estimated lease payment for stock #W4735, VIN 3VVCR7RM6TM140719. $283 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,442, made up of $283 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,881. Lease selling price $29,720. Net capitalized cost $27,396. Residual value $20,386, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,188. 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"}], "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": 223}}, {"vin": "WVWJF7CDXTW258070", "title": "2026 Volkswagen Golf R", "year": 2026, "make": "Volkswagen", "model": "Golf R", "trim": null, "decoded_trim": null, "condition": "new", "price": 51656.0, "msrp": 51656.0, "sale_price": 51656.0, "currency": "USD", "mileage": 5, "exterior_color": "Lapiz Blue Metallic", "interior_color": "Titan Black w/Blue Accents", "drivetrain": "AWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 22, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "W4736", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/fef725c278934c0b9386eda81d471ecc.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/fef725c278934c0b9386eda81d471ecc.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/492e698853454fd3896f76877bf080c0.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b1d3d3088d114920b76e9b339b079bd4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/594e2705712b4b08a4f94973fa92e1fb.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/9fea808ab1f84be39f49f4037c6a4252.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/940e7a5a6a824acabf098d1ff627e6cb.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/253bc49af77d4ee18dcebce19cdfb099.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf R", "year": 2026, "trim": null, "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51656.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwjf7cdxtw258070/2026-volkswagen-golf-r-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwjf7cdxtw258070/2026-volkswagen-golf-r-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWJF7CDXTW258070.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWJF7CDXTW258070.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWJF7CDXTW258070.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwjf7cdxtw258070/2026-volkswagen-golf-r-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 #W4736, VIN WVWJF7CDXTW258070. Advertised price: $51,656. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$51,656"}], "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51656.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWJF7CDXTW258070_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": 51656.0, "price_incl_doc": 51656.0, "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": 1048.1, "amount_financed": 54884.5, "sales_tax": 3228.5, "total_of_payments": 62886.27, "finance_charge": 8001.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4736, VIN WVWJF7CDXTW258070. $1,048 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,656, before any dealer documentation fee. Amount financed $54,884, including $3,228 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,886. 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_WVWJF7CDXTW258070_finance_72", "type": "finance_72", "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": 51656.0, "price_incl_doc": 51656.0, "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": 909.34, "amount_financed": 54884.5, "sales_tax": 3228.5, "total_of_payments": 65472.16, "finance_charge": 10587.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4736, VIN WVWJF7CDXTW258070. $909 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,656, before any dealer documentation fee. Amount financed $54,884, including $3,228 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,472. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWJF7CDXTW258070_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51656.0, "price_incl_doc": 51656.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 814.74, "amount_financed": 54884.5, "sales_tax": 3228.5, "total_of_payments": 68438.01, "finance_charge": 13553.51, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4736, VIN WVWJF7CDXTW258070. $815 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,656, before any dealer documentation fee. Amount financed $54,884, including $3,228 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,438. 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_WVWJF7CDXTW258070_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51656.0, "selling_price": 51656.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 733.7, "net_cap_cost": 52331.0, "residual_value": 32026.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 733.7, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 893.7}, "total_of_payments": 26424, "total_of_payments_unrounded": 26413.2}, "disclosure": "Estimated lease payment for stock #W4736, VIN WVWJF7CDXTW258070. $734 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $894, made up of $734 first payment, $60 title, $100 registration. MSRP $51,656. Lease selling price $51,656. Net capitalized cost $52,331. Residual value $32,027, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,424. 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_WVWJF7CDXTW258070_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": 51656.0, "selling_price": 51656.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 640.41, "net_cap_cost": 49332.0, "residual_value": 32026.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 640.41, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3799.41}, "total_of_payments": 23040, "total_of_payments_unrounded": 23054.76}, "disclosure": "Estimated lease payment for stock #W4736, VIN WVWJF7CDXTW258070. $640 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,799, made up of $640 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,656. Lease selling price $51,656. Net capitalized cost $49,332. Residual value $32,027, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 221}}, {"vin": "3VVBR7RM5TM144739", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 31173.0, "msrp": 34381.0, "sale_price": 31173.0, "currency": "USD", "mileage": 5, "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, "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": "W4754", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/3a5e3dad32fc4a3eb727438c10f5479b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/3a5e3dad32fc4a3eb727438c10f5479b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eaa15c7a3fa64ae6b8571203cafe0696.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28044119d11b44ff98fc516ed3ee42fa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fab45ad8e0f9428dbccfe69246b0dc74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c7c5eba1b8c406ba70f5d4856eed507.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/559b668c42bb47b48b5f4b5c9caeff04.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31ded6742b5d466d8c8bc89c8ff13936.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34381.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm5tm144739/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm5tm144739/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVBR7RM5TM144739.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM5TM144739.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM5TM144739.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm5tm144739/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,208. This offer applies to Stock #W4754, VIN 3VVBR7RM5TM144739. 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: $34,381. Advertised price: $31,173. Savings: $3,208, 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": "$34,381"}, {"label": "Advertised price", "value": "$31,173"}, {"label": "Savings", "value": "$3,208, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,208", "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": "2026-07-26T16:50:29Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31173.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM5TM144739_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": 31173.0, "price_incl_doc": 31173.0, "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": 632.5, "amount_financed": 33121.31, "sales_tax": 1948.31, "total_of_payments": 37950.16, "finance_charge": 4828.85, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4754, VIN 3VVBR7RM5TM144739. $632 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,173, before any dealer documentation fee. Amount financed $33,121, including $1,948 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,950. 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_3VVBR7RM5TM144739_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 549, "unit": "per_month", "display": "$549/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31173.0, "price_incl_doc": 31173.0, "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": 548.76, "amount_financed": 33121.31, "sales_tax": 1948.31, "total_of_payments": 39510.68, "finance_charge": 6389.37, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4754, VIN 3VVBR7RM5TM144739. $549 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,173, before any dealer documentation fee. Amount financed $33,121, including $1,948 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,511. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM5TM144739_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": 31173.0, "price_incl_doc": 31173.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.67, "amount_financed": 33121.31, "sales_tax": 1948.31, "total_of_payments": 41300.49, "finance_charge": 8179.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4754, VIN 3VVBR7RM5TM144739. $492 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,173, before any dealer documentation fee. Amount financed $33,121, including $1,948 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,300. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM5TM144739_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34381.0, "selling_price": 31173.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 395.56, "net_cap_cost": 31848.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 395.56, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 555.56}, "total_of_payments": 14256, "total_of_payments_unrounded": 14240.16}, "disclosure": "Estimated lease payment for stock #W4754, VIN 3VVBR7RM5TM144739. $396 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $556, made up of $396 first payment, $60 title, $100 registration. MSRP $34,381. Lease selling price $31,173. Net capitalized cost $31,848. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM5TM144739_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": 34381.0, "selling_price": 31173.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 302.27, "net_cap_cost": 28849.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 302.27, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3461.27}, "total_of_payments": 10872, "total_of_payments_unrounded": 10881.72}, "disclosure": "Estimated lease payment for stock #W4754, VIN 3VVBR7RM5TM144739. $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 $34,381. Lease selling price $31,173. Net capitalized cost $28,849. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 217}}, {"vin": "3VWBW7BU7TM030952", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 5, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD261922", "stock_status": "Available", "availability": "In Stock", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu7tm030952/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU7TM030952.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU7TM030952.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU7TM030952.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu7tm030952/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD261922, VIN 3VWBW7BU7TM030952. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU7TM030952_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261922, VIN 3VWBW7BU7TM030952. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU7TM030952_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261922, VIN 3VWBW7BU7TM030952. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU7TM030952_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261922, VIN 3VWBW7BU7TM030952. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU7TM030952_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD261922, VIN 3VWBW7BU7TM030952. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU7TM030952_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD261922, VIN 3VWBW7BU7TM030952. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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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null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca0tc201933/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca0tc201933/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KC2CA0TC201933.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA0TC201933.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA0TC201933.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca0tc201933/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,996. This offer applies to Stock #VD261616, VIN 1V2KC2CA0TC201933. 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: $48,989. Advertised price: $43,993. Savings: $4,996, 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": "$48,989"}, {"label": "Advertised price", "value": "$43,993"}, {"label": "Savings", "value": "$4,996, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,996", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43993.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA0TC201933_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 893, "unit": "per_month", "display": "$893/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43993.0, "price_incl_doc": 43993.0, "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": 892.62, "amount_financed": 46742.56, "sales_tax": 2749.56, "total_of_payments": 53557.29, "finance_charge": 6814.73, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261616, VIN 1V2KC2CA0TC201933. $893 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,993, before any dealer documentation fee. Amount financed $46,743, including $2,750 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,557. 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_1V2KC2CA0TC201933_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43993.0, "price_incl_doc": 43993.0, "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": 774.44, "amount_financed": 46742.56, "sales_tax": 2749.56, "total_of_payments": 55759.58, "finance_charge": 9017.02, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261616, VIN 1V2KC2CA0TC201933. $774 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,993, before any dealer documentation fee. Amount financed $46,743, including $2,750 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA0TC201933_finance_84", "type": "finance_84", "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": 43993.0, "price_incl_doc": 43993.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.87, "amount_financed": 46742.56, "sales_tax": 2749.56, "total_of_payments": 58285.45, "finance_charge": 11542.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261616, VIN 1V2KC2CA0TC201933. $694 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,993, before any dealer documentation fee. Amount financed $46,743, including $2,750 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,285. 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_1V2KC2CA0TC201933_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48989.0, "selling_price": 43993.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.49, "net_cap_cost": 44668.0, "residual_value": 30373.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.49}, "total_of_payments": 19476, "total_of_payments_unrounded": 19493.64}, "disclosure": "Estimated lease payment for stock #VD261616, VIN 1V2KC2CA0TC201933. $541 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $701, made up of $541 first payment, $60 title, $100 registration. MSRP $48,989. Lease selling price $43,993. Net capitalized cost $44,668. Residual value $30,373, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,476. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA0TC201933_lease", "type": "lease", "label": "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": 48989.0, "selling_price": 43993.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.2, "net_cap_cost": 41669.0, "residual_value": 30373.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.2}, "total_of_payments": 16128, "total_of_payments_unrounded": 16135.2}, "disclosure": "Estimated lease payment for stock #VD261616, VIN 1V2KC2CA0TC201933. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,989. Lease selling price $43,993. Net capitalized cost $41,669. Residual value $30,373, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm094720/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm094720/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM094720.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM094720.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM094720.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm094720/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,535. This offer applies to Stock #W4500, VIN 3VVMR7RM6TM094720. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM094720_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4500, VIN 3VVMR7RM6TM094720. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM094720_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4500, VIN 3VVMR7RM6TM094720. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM6TM094720_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4500, VIN 3VVMR7RM6TM094720. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM6TM094720_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4500, VIN 3VVMR7RM6TM094720. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM094720_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4500, VIN 3VVMR7RM6TM094720. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca4tc584187/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,473. This offer applies to Stock #VD262267, VIN 1V2FN2CA4TC584187. 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: $57,591. Advertised price: $52,118. Savings: $5,473, 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": "$57,591"}, {"label": "Advertised price", "value": "$52,118"}, {"label": "Savings", "value": "$5,473, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,473", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52118.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA4TC584187_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": 52118.0, "price_incl_doc": 52118.0, "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": 1057.48, "amount_financed": 55375.38, "sales_tax": 3257.38, "total_of_payments": 63448.71, "finance_charge": 8073.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262267, VIN 1V2FN2CA4TC584187. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,118, before any dealer documentation fee. Amount financed $55,375, including $3,257 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,449. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC584187_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": 52118.0, "price_incl_doc": 52118.0, "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": 917.47, "amount_financed": 55375.38, "sales_tax": 3257.38, "total_of_payments": 66057.74, "finance_charge": 10682.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262267, VIN 1V2FN2CA4TC584187. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,118, before any dealer documentation fee. Amount financed $55,375, including $3,257 estimated sales tax at 6.25%. That is $16.57 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_1V2FN2CA4TC584187_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": 52118.0, "price_incl_doc": 52118.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 822.03, "amount_financed": 55375.38, "sales_tax": 3257.38, "total_of_payments": 69050.11, "finance_charge": 13674.73, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262267, VIN 1V2FN2CA4TC584187. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,118, before any dealer documentation fee. Amount financed $55,375, including $3,257 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,050. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA4TC584187_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": 57591.0, "selling_price": 52118.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 645.34, "net_cap_cost": 52793.0, "residual_value": 35706.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 645.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 805.34}, "total_of_payments": 23220, "total_of_payments_unrounded": 23232.24}, "disclosure": "Estimated lease payment for stock #VD262267, VIN 1V2FN2CA4TC584187. $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 $57,591. Lease selling price $52,118. Net capitalized cost $52,793. Residual value $35,706, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA4TC584187_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": 57591.0, "selling_price": 52118.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.05, "net_cap_cost": 49794.0, "residual_value": 35706.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3711.05}, "total_of_payments": 19872, "total_of_payments_unrounded": 19873.8}, "disclosure": "Estimated lease payment for stock #VD262267, VIN 1V2FN2CA4TC584187. $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 $57,591. Lease selling price $52,118. Net capitalized cost $49,794. Residual value $35,706, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://content.homenetiol.com/2003378/2264630/0x0/c343ca87dc7843e7a8dbf94abd642df1.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 53276.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca7tc577295/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca7tc577295/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA7TC577295.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA7TC577295.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA7TC577295.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca7tc577295/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,405. This offer applies to Stock #VD262236, VIN 1V2BN2CA7TC577295. 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: $53,276. Advertised price: $47,871. Savings: $5,405, 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": "$53,276"}, {"label": "Advertised price", "value": "$47,871"}, {"label": "Savings", "value": "$5,405, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,405", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA7TC577295_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 971, "unit": "per_month", "display": "$971/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47871.0, "price_incl_doc": 47871.0, "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": 971.31, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 58278.39, "finance_charge": 7415.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262236, VIN 1V2BN2CA7TC577295. $971 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,278. 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_1V2BN2CA7TC577295_finance_72", "type": "finance_72", "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": 47871.0, "price_incl_doc": 47871.0, "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": 842.71, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 60674.81, "finance_charge": 9811.87, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262236, VIN 1V2BN2CA7TC577295. $843 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA7TC577295_finance_84", "type": "finance_84", "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": 47871.0, "price_incl_doc": 47871.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.04, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 63423.34, "finance_charge": 12560.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262236, VIN 1V2BN2CA7TC577295. $755 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,423. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA7TC577295_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 587.92, "net_cap_cost": 48546.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 587.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 747.92}, "total_of_payments": 21168, "total_of_payments_unrounded": 21165.12}, "disclosure": "Estimated lease payment for stock #VD262236, VIN 1V2BN2CA7TC577295. $588 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $748, made up of $588 first payment, $60 title, $100 registration. MSRP $53,276. Lease selling price $47,871. Net capitalized cost $48,546. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA7TC577295_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": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.63, "net_cap_cost": 45547.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3653.63}, "total_of_payments": 17820, "total_of_payments_unrounded": 17806.68}, "disclosure": "Estimated lease payment for stock #VD262236, VIN 1V2BN2CA7TC577295. $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 $53,276. Lease selling price $47,871. Net capitalized cost $45,547. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31021.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUC7B23TM053309_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": 31021.0, "price_incl_doc": 31021.0, "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": 629.42, "amount_financed": 32959.81, "sales_tax": 1938.81, "total_of_payments": 37765.11, "finance_charge": 4805.3, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4490, VIN 3VVUC7B23TM053309. $629 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,021, before any dealer documentation fee. Amount financed $32,960, including $1,939 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,765. 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_3VVUC7B23TM053309_finance_72", "type": "finance_72", "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": 31021.0, "price_incl_doc": 31021.0, "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": 546.08, "amount_financed": 32959.81, "sales_tax": 1938.81, "total_of_payments": 39318.02, "finance_charge": 6358.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4490, VIN 3VVUC7B23TM053309. $546 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,021, before any dealer documentation fee. Amount financed $32,960, including $1,939 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,318. 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_3VVUC7B23TM053309_finance_84", "type": "finance_84", "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": 31021.0, "price_incl_doc": 31021.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 489.28, "amount_financed": 32959.81, "sales_tax": 1938.81, "total_of_payments": 41099.1, "finance_charge": 8139.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4490, VIN 3VVUC7B23TM053309. $489 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,021, before any dealer documentation fee. Amount financed $32,960, including $1,939 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,099. 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_3VVUC7B23TM053309_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": 33235.0, "selling_price": 31021.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 410.67, "net_cap_cost": 31696.0, "residual_value": 20605.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 410.67, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 570.67}, "total_of_payments": 14796, "total_of_payments_unrounded": 14784.12}, "disclosure": "Estimated lease payment for stock #W4490, VIN 3VVUC7B23TM053309. $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 $33,235. Lease selling price $31,021. Net capitalized cost $31,696. Residual value $20,606, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVUC7B23TM053309_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": 33235.0, "selling_price": 31021.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 317.38, "net_cap_cost": 28697.0, "residual_value": 20605.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 317.38, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3476.38}, "total_of_payments": 11412, "total_of_payments_unrounded": 11425.68}, "disclosure": "Estimated lease payment for stock #W4490, VIN 3VVUC7B23TM053309. $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 $33,235. Lease selling price $31,021. Net capitalized cost $28,697. Residual value $20,606, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 32, "elapsed_ms": 160}}, {"vin": "KL79MPSL5PB200492", "title": "2023 Chevrolet Trailblazer LT", "year": 2023, "make": "Chevrolet", "model": "Trailblazer", "trim": "LT", "decoded_trim": "LT", "condition": "used", "price": 22398.0, "msrp": 22398.0, "sale_price": 22398.0, "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, "seating_capacity": null, "engine": "Gas I3 1.3L/", "engine_displacement_l": 1.3, "engine_cylinders": 3, "transmission": "1-Speed Continuously Variable Ratio", "mpg_city": 29, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "HD260607A", "stock_status": "Available", "availability": "In Stock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$22,398"}], "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. 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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": 22398.0, "price_incl_doc": 22398.0, "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": 558.78, "amount_financed": 23797.88, "sales_tax": 1399.88, "total_of_payments": 26821.67, "finance_charge": 3023.79, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260607A, VIN KL79MPSL5PB200492. $559 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,398, before any dealer documentation fee. Amount financed $23,798, including $1,400 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,822. 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": 22398.0, "price_incl_doc": 22398.0, "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": 465.52, "amount_financed": 23797.88, "sales_tax": 1399.88, "total_of_payments": 27931.28, "finance_charge": 4133.4, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260607A, VIN KL79MPSL5PB200492. $466 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,398, before any dealer documentation fee. Amount financed $23,798, including $1,400 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,931. 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_KL79MPSL5PB200492_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22398.0, "price_incl_doc": 22398.0, "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": 405.62, "amount_financed": 23797.88, "sales_tax": 1399.88, "total_of_payments": 29204.35, "finance_charge": 5406.47, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260607A, VIN KL79MPSL5PB200492. $406 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,398, before any dealer documentation fee. Amount financed $23,798, including $1,400 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,204. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "$21,880"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21880.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8HBCAB9RU161382_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": 21880.0, "price_incl_doc": 21880.0, "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": 545.86, "amount_financed": 23247.5, "sales_tax": 1367.5, "total_of_payments": 26201.36, "finance_charge": 2953.86, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1041, VIN KM8HBCAB9RU161382. $546 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,880, before any dealer documentation fee. Amount financed $23,248, including $1,368 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_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": 21880.0, "price_incl_doc": 21880.0, "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": 454.76, "amount_financed": 23247.5, "sales_tax": 1367.5, "total_of_payments": 27285.31, "finance_charge": 4037.81, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1041, VIN KM8HBCAB9RU161382. $455 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,880, before any dealer documentation fee. Amount financed $23,248, including $1,368 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,285. 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_KM8HBCAB9RU161382_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": 21880.0, "price_incl_doc": 21880.0, "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": 396.24, "amount_financed": 23247.5, "sales_tax": 1367.5, "total_of_payments": 28528.93, "finance_charge": 5281.43, "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. $396 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,880, before any dealer documentation fee. Amount financed $23,248, including $1,368 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,529. 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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24512.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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.", "lines": [{"label": "Advertised price", "value": "$34,338"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34338.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 857, "unit": "per_month", "display": "$857/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34338.0, "price_incl_doc": 34338.0, "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": 856.66, "amount_financed": 36484.13, "sales_tax": 2146.13, "total_of_payments": 41119.85, "finance_charge": 4635.72, "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. $857 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,338, before any dealer documentation fee. Amount financed $36,484, including $2,146 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,120. 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_JM3KFBEM5S0747702_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": 34338.0, "price_incl_doc": 34338.0, "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": 713.68, "amount_financed": 36484.13, "sales_tax": 2146.13, "total_of_payments": 42820.98, "finance_charge": 6336.85, "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. $714 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,338, before any dealer documentation fee. Amount financed $36,484, including $2,146 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,821. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_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. 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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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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 $3,545. This offer applies to Stock #W4748, VIN 3VVMR7RM9TM144719. 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: $38,786. Advertised price: $35,241. Savings: $3,545, 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": "$38,786"}, {"label": "Advertised price", "value": "$35,241"}, {"label": "Savings", "value": "$3,545, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,545", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35241.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM9TM144719_finance_60", "type": "finance_60", "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": 35241.0, "price_incl_doc": 35241.0, "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": 715.04, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 42902.56, "finance_charge": 5459.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4748, VIN 3VVMR7RM9TM144719. $715 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,903. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM144719_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": 35241.0, "price_incl_doc": 35241.0, "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": 620.37, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 44666.73, "finance_charge": 7223.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4748, VIN 3VVMR7RM9TM144719. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,667. 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_3VVMR7RM9TM144719_finance_84", "type": "finance_84", "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": 35241.0, "price_incl_doc": 35241.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.83, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 46690.1, "finance_charge": 9246.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4748, VIN 3VVMR7RM9TM144719. $556 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,690. 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_3VVMR7RM9TM144719_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 35241.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.86, "net_cap_cost": 35916.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.86}, "total_of_payments": 16056, "total_of_payments_unrounded": 16050.96}, "disclosure": "Estimated lease payment for stock #W4748, VIN 3VVMR7RM9TM144719. $446 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $606, made up of $446 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $35,241. Net capitalized cost $35,916. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,056. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM144719_lease", "type": "lease", "label": "Lease", "headline": {"value": 353, "unit": "per_month", "display": "$353/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 35241.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.57, "net_cap_cost": 32917.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.57}, "total_of_payments": 12708, "total_of_payments_unrounded": 12692.52}, "disclosure": "Estimated lease payment for stock #W4748, VIN 3VVMR7RM9TM144719. $353 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,512, made up of $353 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $35,241. Net capitalized cost $32,917. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,708. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 211}}, {"vin": "1V2HN2CA8TC586145", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43926.0, "msrp": 48697.0, "sale_price": 43926.0, "currency": "USD", "mileage": 10, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4662", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48697.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca8tc586145/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca8tc586145/2026-volkswagen-atlas-sport-utility", "canonical_url": 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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 $4,771. This offer applies to Stock #W4662, VIN 1V2HN2CA8TC586145. 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: $48,697. Advertised price: $43,926. Savings: $4,771, 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": "$48,697"}, {"label": "Advertised price", "value": "$43,926"}, {"label": "Savings", "value": "$4,771, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,771", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA8TC586145_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43926.0, "price_incl_doc": 43926.0, "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": 891.26, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 53475.73, "finance_charge": 6804.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4662, VIN 1V2HN2CA8TC586145. $891 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,476. 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_1V2HN2CA8TC586145_finance_72", "type": "finance_72", "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": 43926.0, "price_incl_doc": 43926.0, "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": 773.26, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 55674.67, "finance_charge": 9003.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4662, VIN 1V2HN2CA8TC586145. $773 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA8TC586145_finance_84", "type": "finance_84", "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": 43926.0, "price_incl_doc": 43926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.82, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 58196.69, "finance_charge": 11525.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4662, VIN 1V2HN2CA8TC586145. $693 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,197. 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_1V2HN2CA8TC586145_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": 48697.0, "selling_price": 43926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.46, "net_cap_cost": 44601.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.46, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.46}, "total_of_payments": 19584, "total_of_payments_unrounded": 19600.56}, "disclosure": "Estimated lease payment for stock #W4662, VIN 1V2HN2CA8TC586145. $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 $48,697. Lease selling price $43,926. Net capitalized cost $44,601. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA8TC586145_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": 48697.0, "selling_price": 43926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.17, "net_cap_cost": 41602.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.17, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.17}, "total_of_payments": 16236, "total_of_payments_unrounded": 16242.12}, "disclosure": "Estimated lease payment for stock #W4662, VIN 1V2HN2CA8TC586145. $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 $48,697. Lease selling price $43,926. Net capitalized cost $41,602. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 217}}, {"vin": "3VVGR7RM7TM061528", "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": "new", "price": 37872.0, "msrp": 41976.0, "sale_price": 37872.0, "currency": "USD", "mileage": 45, "exterior_color": "Beige", "interior_color": null, "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": "VD251810XX", "stock_status": "Available", 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm061528/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM7TM061528.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM7TM061528.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM7TM061528.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm061528/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,104. This offer applies to Stock #VD251810XX, VIN 3VVGR7RM7TM061528. 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: $41,976. Advertised price: $37,872. Savings: $4,104, 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": "$41,976"}, {"label": "Advertised price", "value": "$37,872"}, {"label": "Savings", "value": "$4,104, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,104", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37872.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM7TM061528_finance_60", "type": "finance_60", "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": 37872.0, "price_incl_doc": 37872.0, "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": 768.43, "amount_financed": 40239.0, "sales_tax": 2367.0, "total_of_payments": 46105.56, "finance_charge": 5866.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD251810XX, VIN 3VVGR7RM7TM061528. $768 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,872, before any dealer documentation fee. Amount financed $40,239, including $2,367 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,106. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM7TM061528_finance_72", "type": "finance_72", "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": 37872.0, "price_incl_doc": 37872.0, "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": 666.69, "amount_financed": 40239.0, "sales_tax": 2367.0, "total_of_payments": 48001.43, "finance_charge": 7762.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD251810XX, VIN 3VVGR7RM7TM061528. $667 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,872, before any dealer documentation fee. Amount financed $40,239, including $2,367 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,001. 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_3VVGR7RM7TM061528_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37872.0, "price_incl_doc": 37872.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 597.33, "amount_financed": 40239.0, "sales_tax": 2367.0, "total_of_payments": 50175.86, "finance_charge": 9936.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD251810XX, VIN 3VVGR7RM7TM061528. $597 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,872, before any dealer documentation fee. Amount financed $40,239, including $2,367 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,176. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM7TM061528_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 41976.0, "selling_price": 37872.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 38547.0, "residual_value": 26025.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 632.48}, "total_of_payments": 16992, "total_of_payments_unrounded": 17009.28}, "disclosure": "Estimated lease payment for stock #VD251810XX, VIN 3VVGR7RM7TM061528. $472 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $632, made up of $472 first payment, $60 title, $100 registration. MSRP $41,976. Lease selling price $37,872. Net capitalized cost $38,547. Residual value $26,025, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVGR7RM7TM061528_lease", "type": "lease", "label": "Lease", "headline": {"value": 379, "unit": "per_month", "display": "$379/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41976.0, "selling_price": 37872.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 379.19, "net_cap_cost": 35548.0, "residual_value": 26025.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 379.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3538.19}, "total_of_payments": 13644, "total_of_payments_unrounded": 13650.84}, "disclosure": "Estimated lease payment for stock #VD251810XX, VIN 3VVGR7RM7TM061528. $379 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,538, made up of $379 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,976. Lease selling price $37,872. Net capitalized cost $35,548. Residual value $26,025, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,644. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 198}}, {"vin": "1V2KN2CA2TC578371", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45045.0, "msrp": 50486.0, "sale_price": 45045.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262288", "stock_status": "Available", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca2tc578371/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA2TC578371.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA2TC578371.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA2TC578371.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca2tc578371/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,441. This offer applies to Stock #NRVD262288, VIN 1V2KN2CA2TC578371. 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: $50,486. Advertised price: $45,045. Savings: $5,441, 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": "$50,486"}, {"label": "Advertised price", "value": "$45,045"}, {"label": "Savings", "value": "$5,441, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,441", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45045.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA2TC578371_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 914, "unit": "per_month", "display": "$914/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45045.0, "price_incl_doc": 45045.0, "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": 913.97, "amount_financed": 47860.31, "sales_tax": 2815.31, "total_of_payments": 54838.0, "finance_charge": 6977.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262288, VIN 1V2KN2CA2TC578371. $914 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,045, before any dealer documentation fee. Amount financed $47,860, including $2,815 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,838. 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_1V2KN2CA2TC578371_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45045.0, "price_incl_doc": 45045.0, "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": 792.96, "amount_financed": 47860.31, "sales_tax": 2815.31, "total_of_payments": 57092.95, "finance_charge": 9232.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262288, VIN 1V2KN2CA2TC578371. $793 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,045, before any dealer documentation fee. Amount financed $47,860, including $2,815 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,093. 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_1V2KN2CA2TC578371_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": 45045.0, "price_incl_doc": 45045.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.47, "amount_financed": 47860.31, "sales_tax": 2815.31, "total_of_payments": 59679.22, "finance_charge": 11818.91, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262288, VIN 1V2KN2CA2TC578371. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,045, before any dealer documentation fee. Amount financed $47,860, including $2,815 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,679. 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_1V2KN2CA2TC578371_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": 50486.0, "selling_price": 45045.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 548.3, "net_cap_cost": 45720.0, "residual_value": 31301.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 548.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 708.3}, "total_of_payments": 19728, "total_of_payments_unrounded": 19738.8}, "disclosure": "Estimated lease payment for stock #NRVD262288, VIN 1V2KN2CA2TC578371. $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 $50,486. Lease selling price $45,045. Net capitalized cost $45,720. Residual value $31,301, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA2TC578371_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": 50486.0, "selling_price": 45045.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 455.01, "net_cap_cost": 42721.0, "residual_value": 31301.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 455.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3614.01}, "total_of_payments": 16380, "total_of_payments_unrounded": 16380.36}, "disclosure": "Estimated lease payment for stock #NRVD262288, VIN 1V2KN2CA2TC578371. $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 $50,486. Lease selling price $45,045. Net capitalized cost $42,721. Residual value $31,301, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 31, "elapsed_ms": 191}}, {"vin": "3VVBR7RMXTM021597", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 30795.0, "msrp": 34381.0, "sale_price": 30795.0, "currency": "USD", "mileage": 8, "exterior_color": "Pure White", "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": "VD261765", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rmxtm021597/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVBR7RMXTM021597.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RMXTM021597.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RMXTM021597.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rmxtm021597/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,586. This offer applies to Stock #VD261765, VIN 3VVBR7RMXTM021597. 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: $34,381. Advertised price: $30,795. Savings: $3,586, 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": "$34,381"}, {"label": "Advertised price", "value": "$30,795"}, {"label": "Savings", "value": "$3,586, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,586", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30795.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RMXTM021597_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": 30795.0, "price_incl_doc": 30795.0, "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": 624.83, "amount_financed": 32719.69, "sales_tax": 1924.69, "total_of_payments": 37489.99, "finance_charge": 4770.3, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261765, VIN 3VVBR7RMXTM021597. $625 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,795, before any dealer documentation fee. Amount financed $32,720, including $1,925 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,490. 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_3VVBR7RMXTM021597_finance_72", "type": "finance_72", "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": 30795.0, "price_incl_doc": 30795.0, "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": 542.11, "amount_financed": 32719.69, "sales_tax": 1924.69, "total_of_payments": 39031.58, "finance_charge": 6311.89, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261765, VIN 3VVBR7RMXTM021597. $542 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,795, before any dealer documentation fee. Amount financed $32,720, including $1,925 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,032. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RMXTM021597_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30795.0, "price_incl_doc": 30795.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 485.71, "amount_financed": 32719.69, "sales_tax": 1924.69, "total_of_payments": 40799.69, "finance_charge": 8080.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261765, VIN 3VVBR7RMXTM021597. $486 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,795, before any dealer documentation fee. Amount financed $32,720, including $1,925 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,800. 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_3VVBR7RMXTM021597_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34381.0, "selling_price": 30795.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 383.81, "net_cap_cost": 31470.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 383.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 543.81}, "total_of_payments": 13824, "total_of_payments_unrounded": 13817.16}, "disclosure": "Estimated lease payment for stock #VD261765, VIN 3VVBR7RMXTM021597. $384 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $544, made up of $384 first payment, $60 title, $100 registration. MSRP $34,381. Lease selling price $30,795. Net capitalized cost $31,470. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RMXTM021597_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34381.0, "selling_price": 30795.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 290.51, "net_cap_cost": 28471.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 290.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3449.51}, "total_of_payments": 10476, "total_of_payments_unrounded": 10458.36}, "disclosure": "Estimated lease payment for stock #VD261765, VIN 3VVBR7RMXTM021597. $291 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,450, made up of $291 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,381. Lease selling price $30,795. Net capitalized cost $28,471. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,476. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 177}}, {"vin": "3VVGR7RM0TM126476", "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": "new", "price": 42076.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 7, "exterior_color": "Opal White w/Deep Black Roof", "interior_color": "Grigio & 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": "W4655", 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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 #W4655, VIN 3VVGR7RM0TM126476. Advertised price: $42,076. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$42,076"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42076.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM0TM126476_finance_60", "type": "finance_60", "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": 42076.0, "price_incl_doc": 42076.0, "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": 853.73, "amount_financed": 44705.75, "sales_tax": 2629.75, "total_of_payments": 51223.53, "finance_charge": 6517.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4655, VIN 3VVGR7RM0TM126476. $854 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,076, before any dealer documentation fee. Amount financed $44,706, including $2,630 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,224. 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_3VVGR7RM0TM126476_finance_72", "type": "finance_72", "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": 42076.0, "price_incl_doc": 42076.0, "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": 740.69, "amount_financed": 44705.75, "sales_tax": 2629.75, "total_of_payments": 53329.85, "finance_charge": 8624.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4655, VIN 3VVGR7RM0TM126476. $741 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,076, before any dealer documentation fee. Amount financed $44,706, including $2,630 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,330. 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_3VVGR7RM0TM126476_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": 42076.0, "price_incl_doc": 42076.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.64, "amount_financed": 44705.75, "sales_tax": 2629.75, "total_of_payments": 55745.66, "finance_charge": 11039.91, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4655, VIN 3VVGR7RM0TM126476. $664 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,076, before any dealer documentation fee. Amount financed $44,706, including $2,630 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM0TM126476_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": 42076.0, "selling_price": 42076.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 601.53, "net_cap_cost": 42751.0, "residual_value": 26087.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 601.53, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 761.53}, "total_of_payments": 21672, "total_of_payments_unrounded": 21655.08}, "disclosure": "Estimated lease payment for stock #W4655, VIN 3VVGR7RM0TM126476. $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 $42,076. Lease selling price $42,076. Net capitalized cost $42,751. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM0TM126476_lease", "type": "lease", "label": "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": 42076.0, "selling_price": 42076.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 508.23, "net_cap_cost": 39752.0, "residual_value": 26087.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 508.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3667.23}, "total_of_payments": 18288, "total_of_payments_unrounded": 18296.28}, "disclosure": "Estimated lease payment for stock #W4655, VIN 3VVGR7RM0TM126476. $508 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,667, made up of $508 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,076. Lease selling price $42,076. Net capitalized cost $39,752. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 204}}, {"vin": "3VVMR7RM1TM098156", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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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 $3,843. This offer applies to Stock #NRVD262175, VIN 3VVMR7RM1TM098156. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM1TM098156_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262175, VIN 3VVMR7RM1TM098156. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM098156_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262175, VIN 3VVMR7RM1TM098156. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM1TM098156_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262175, VIN 3VVMR7RM1TM098156. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM1TM098156_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262175, VIN 3VVMR7RM1TM098156. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM1TM098156_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262175, VIN 3VVMR7RM1TM098156. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 195}}, {"vin": "3VVGR7RM1TM063422", "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": "new", "price": 37354.0, "msrp": 41226.0, "sale_price": 37354.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "VD262021", "stock_status": 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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 $3,872. This offer applies to Stock #VD262021, VIN 3VVGR7RM1TM063422. 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: $41,226. Advertised price: $37,354. Savings: $3,872, 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": "$41,226"}, {"label": "Advertised price", "value": "$37,354"}, {"label": "Savings", "value": "$3,872, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,872", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37354.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM1TM063422_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": 37354.0, "price_incl_doc": 37354.0, "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": 757.92, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 45474.95, "finance_charge": 5786.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262021, VIN 3VVGR7RM1TM063422. $758 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,475. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM063422_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": 37354.0, "price_incl_doc": 37354.0, "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": 657.57, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 47344.89, "finance_charge": 7656.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262021, VIN 3VVGR7RM1TM063422. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM063422_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": 37354.0, "price_incl_doc": 37354.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.16, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 49489.58, "finance_charge": 9800.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262021, VIN 3VVGR7RM1TM063422. $589 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,490. 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_3VVGR7RM1TM063422_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": 41226.0, "selling_price": 37354.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.35, "net_cap_cost": 38029.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 629.35}, "total_of_payments": 16884, "total_of_payments_unrounded": 16896.6}, "disclosure": "Estimated lease payment for stock #VD262021, VIN 3VVGR7RM1TM063422. $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 $41,226. Lease selling price $37,354. Net capitalized cost $38,029. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM1TM063422_lease", "type": "lease", "label": "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": 41226.0, "selling_price": 37354.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 376.06, "net_cap_cost": 35030.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.06}, "total_of_payments": 13536, "total_of_payments_unrounded": 13538.16}, "disclosure": "Estimated lease payment for stock #VD262021, VIN 3VVGR7RM1TM063422. $376 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,535, made up of $376 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,226. Lease selling price $37,354. Net capitalized cost $35,030. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 201}}, {"vin": "1V2CN2CA4TC583883", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 50332.0, "msrp": 50332.0, "sale_price": 44767.0, "currency": "USD", "mileage": 6, "exterior_color": "Deep Black Pearl", "interior_color": "BLACK LEATHERE", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4621", "stock_status": 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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 #W4621, VIN 1V2CN2CA4TC583883. Advertised price: $50,332. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$50,332"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50332.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA4TC583883_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1021, "unit": "per_month", "display": "$1,021/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50332.0, "price_incl_doc": 50332.0, "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": 1021.24, "amount_financed": 53477.75, "sales_tax": 3145.75, "total_of_payments": 61274.42, "finance_charge": 7796.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4621, VIN 1V2CN2CA4TC583883. $1,021 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,332, before any dealer documentation fee. Amount financed $53,478, including $3,146 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,274. 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_1V2CN2CA4TC583883_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 886, "unit": "per_month", "display": "$886/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50332.0, "price_incl_doc": 50332.0, "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": 886.03, "amount_financed": 53477.75, "sales_tax": 3145.75, "total_of_payments": 63794.04, "finance_charge": 10316.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4621, VIN 1V2CN2CA4TC583883. $886 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,332, before any dealer documentation fee. Amount financed $53,478, including $3,146 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,794. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA4TC583883_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 794, "unit": "per_month", "display": "$794/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50332.0, "price_incl_doc": 50332.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 793.86, "amount_financed": 53477.75, "sales_tax": 3145.75, "total_of_payments": 66683.87, "finance_charge": 13206.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4621, VIN 1V2CN2CA4TC583883. $794 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,332, before any dealer documentation fee. Amount financed $53,478, including $3,146 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $66,684. 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_1V2CN2CA4TC583883_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 50332.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 715.44, "net_cap_cost": 51007.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 715.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 875.44}, "total_of_payments": 25740, "total_of_payments_unrounded": 25755.84}, "disclosure": "Estimated lease payment for stock #W4621, VIN 1V2CN2CA4TC583883. $715 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $875, made up of $715 first payment, $60 title, $100 registration. MSRP $50,332. Lease selling price $50,332. Net capitalized cost $51,007. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,740. 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_1V2CN2CA4TC583883_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50332.0, "selling_price": 50332.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 622.14, "net_cap_cost": 48008.0, "residual_value": 31205.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 622.14, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3781.14}, "total_of_payments": 22392, "total_of_payments_unrounded": 22397.04}, "disclosure": "Estimated lease payment for stock #W4621, VIN 1V2CN2CA4TC583883. $622 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,781, made up of $622 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,332. Lease selling price $50,332. Net capitalized cost $48,008. Residual value $31,206, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,392. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 34, "elapsed_ms": 191}}, {"vin": "5NMZTDLBXHH030363", "title": "2017 Hyundai Santa Fe Sport 2.4L", "year": 2017, "make": "Hyundai", "model": "Santa Fe Sport", "trim": "2.4L", "decoded_trim": "Sport Base", "condition": "used", "price": 11998.0, "msrp": 11998.0, "sale_price": 11902.0, "currency": "USD", "mileage": 81588, "exterior_color": "Twilight Black", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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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": 11998.0, "price_incl_doc": 11998.0, "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": 249.37, "amount_financed": 12747.88, "sales_tax": 749.88, "total_of_payments": 14962.03, "finance_charge": 2214.15, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1014, VIN 5NMZTDLBXHH030363. $249 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $11,998, before any dealer documentation fee. Amount financed $12,748, including $750 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $14,962. 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_5NMZTDLBXHH030363_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 217, "unit": "per_month", "display": "$217/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11998.0, "price_incl_doc": 11998.0, "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": 217.28, "amount_financed": 12747.88, "sales_tax": 749.88, "total_of_payments": 15643.98, "finance_charge": 2896.1, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1014, VIN 5NMZTDLBXHH030363. $217 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $11,998, before any dealer documentation fee. Amount financed $12,748, including $750 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $15,644. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16637.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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 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": 16637.0, "price_incl_doc": 16637.0, "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": 345.78, "amount_financed": 17676.81, "sales_tax": 1039.81, "total_of_payments": 20747.06, "finance_charge": 3070.25, "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. $346 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,637, before any dealer documentation fee. Amount financed $17,677, including $1,040 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,747. 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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDY7SN379566_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": 37390.0, "price_incl_doc": 37390.0, "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": 932.8, "amount_financed": 39726.88, "sales_tax": 2336.88, "total_of_payments": 44774.63, "finance_charge": 5047.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0802, VIN 7MMVABDY7SN379566. $933 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,390, before any dealer documentation fee. Amount financed $39,727, including $2,337 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,775. 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_7MMVABDY7SN379566_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": 37390.0, "price_incl_doc": 37390.0, "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": 777.12, "amount_financed": 39726.88, "sales_tax": 2336.88, "total_of_payments": 46626.96, "finance_charge": 6900.08, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0802, VIN 7MMVABDY7SN379566. $777 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,390, before any dealer documentation fee. Amount financed $39,727, including $2,337 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,627. 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": 37390.0, "price_incl_doc": 37390.0, "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": 677.11, "amount_financed": 39726.88, "sales_tax": 2336.88, "total_of_payments": 48752.14, "finance_charge": 9025.26, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0802, VIN 7MMVABDY7SN379566. $677 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,390, before any dealer documentation fee. Amount financed $39,727, including $2,337 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,752. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,375"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44375.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CA1TC588748_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 900, "unit": "per_month", "display": "$900/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44375.0, "price_incl_doc": 44375.0, "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": 900.37, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 54022.34, "finance_charge": 6873.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4690, VIN 1V2LN2CA1TC588748. $900 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,022. 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_1V2LN2CA1TC588748_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44375.0, "price_incl_doc": 44375.0, "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": 781.16, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 56243.76, "finance_charge": 9095.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4690, VIN 1V2LN2CA1TC588748. $781 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,244. 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_1V2LN2CA1TC588748_finance_84", "type": "finance_84", "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": 44375.0, "price_incl_doc": 44375.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.9, "amount_financed": 47148.44, "sales_tax": 2773.44, "total_of_payments": 58791.56, "finance_charge": 11643.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4690, VIN 1V2LN2CA1TC588748. $700 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,375, before any dealer documentation fee. Amount financed $47,148, including $2,773 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,792. 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"}, {"offer_id": "of_1V2LN2CA1TC588748_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44375.0, "selling_price": 44375.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 633.25, "net_cap_cost": 45050.0, "residual_value": 27512.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 633.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 793.25}, "total_of_payments": 22788, "total_of_payments_unrounded": 22797.0}, "disclosure": "Estimated lease payment for stock #W4690, VIN 1V2LN2CA1TC588748. $633 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $793, made up of $633 first payment, $60 title, $100 registration. MSRP $44,375. Lease selling price $44,375. Net capitalized cost $45,050. Residual value $27,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA1TC588748_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": 44375.0, "selling_price": 44375.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 539.95, "net_cap_cost": 42051.0, "residual_value": 27512.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 539.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3698.95}, "total_of_payments": 19440, "total_of_payments_unrounded": 19438.2}, "disclosure": "Estimated lease payment for stock #W4690, VIN 1V2LN2CA1TC588748. $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 $44,375. Lease selling price $44,375. Net capitalized cost $42,051. Residual value $27,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b24tm052709/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV2C7B24TM052709.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV2C7B24TM052709.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV2C7B24TM052709.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b24tm052709/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,286. This offer applies to Stock #W4434, VIN 3VV2C7B24TM052709. 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: $35,485. Advertised price: $33,199. Savings: $2,286, 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": "$35,485"}, {"label": "Advertised price", "value": "$33,199"}, {"label": "Savings", "value": "$2,286, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,286", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33199.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B24TM052709_finance_60", "type": "finance_60", "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": 33199.0, "price_incl_doc": 33199.0, "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": 673.61, "amount_financed": 35273.94, "sales_tax": 2074.94, "total_of_payments": 40416.63, "finance_charge": 5142.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4434, VIN 3VV2C7B24TM052709. $674 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,199, before any dealer documentation fee. Amount financed $35,274, including $2,075 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,417. 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_3VV2C7B24TM052709_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": 33199.0, "price_incl_doc": 33199.0, "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": 584.42, "amount_financed": 35273.94, "sales_tax": 2074.94, "total_of_payments": 42078.57, "finance_charge": 6804.63, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4434, VIN 3VV2C7B24TM052709. $584 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,199, before any dealer documentation fee. Amount financed $35,274, including $2,075 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,079. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B24TM052709_finance_84", "type": "finance_84", "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": 33199.0, "price_incl_doc": 33199.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.63, "amount_financed": 35273.94, "sales_tax": 2074.94, "total_of_payments": 43984.7, "finance_charge": 8710.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4434, VIN 3VV2C7B24TM052709. $524 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,199, before any dealer documentation fee. Amount financed $35,274, including $2,075 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,985. 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_3VV2C7B24TM052709_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": 35485.0, "selling_price": 33199.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.48, "net_cap_cost": 33874.0, "residual_value": 22000.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 599.48}, "total_of_payments": 15804, "total_of_payments_unrounded": 15821.28}, "disclosure": "Estimated lease payment for stock #W4434, VIN 3VV2C7B24TM052709. $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 $35,485. Lease selling price $33,199. Net capitalized cost $33,874. Residual value $22,001, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV2C7B24TM052709_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": 35485.0, "selling_price": 33199.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 346.19, "net_cap_cost": 30875.0, "residual_value": 22000.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 346.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3505.19}, "total_of_payments": 12456, "total_of_payments_unrounded": 12462.84}, "disclosure": "Estimated lease payment for stock #W4434, VIN 3VV2C7B24TM052709. $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 $35,485. Lease selling price $33,199. Net capitalized cost $30,875. Residual value $22,001, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 186}}, {"vin": "1C4RJHBG5N8620395", "title": "2022 Jeep Grand Cherokee Limited", "year": 2022, "make": "Jeep", "model": "Grand Cherokee", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 24382.0, "msrp": 24382.0, "sale_price": 24998.0, "currency": "USD", "mileage": 86899, "exterior_color": "Silver Zynith", "interior_color": "Global Black", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.6 L/220", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0511", "stock_status": "Available", "availability": "In Stock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$57,893"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57893.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA2TC591185_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1175, "unit": "per_month", "display": "$1,175/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57893.0, "price_incl_doc": 57893.0, "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": 1174.65, "amount_financed": 61511.31, "sales_tax": 3618.31, "total_of_payments": 70479.22, "finance_charge": 8967.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4707, VIN 1V2FN2CA2TC591185. $1,175 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,893, before any dealer documentation fee. Amount financed $61,511, including $3,618 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $70,479. 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_1V2FN2CA2TC591185_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1019, "unit": "per_month", "display": "$1,019/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57893.0, "price_incl_doc": 57893.0, "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": 1019.13, "amount_financed": 61511.31, "sales_tax": 3618.31, "total_of_payments": 73377.34, "finance_charge": 11866.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4707, VIN 1V2FN2CA2TC591185. $1,019 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,893, before any dealer documentation fee. Amount financed $61,511, including $3,618 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $73,377. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA2TC591185_finance_84", "type": "finance_84", "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": 57893.0, "price_incl_doc": 57893.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 913.11, "amount_financed": 61511.31, "sales_tax": 3618.31, "total_of_payments": 76701.28, "finance_charge": 15189.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4707, VIN 1V2FN2CA2TC591185. $913 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,893, before any dealer documentation fee. Amount financed $61,511, including $3,618 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $76,701. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA2TC591185_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57893.0, "selling_price": 57893.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 819.76, "net_cap_cost": 58568.0, "residual_value": 35893.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 819.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 979.76}, "total_of_payments": 29520, "total_of_payments_unrounded": 29511.36}, "disclosure": "Estimated lease payment for stock #W4707, VIN 1V2FN2CA2TC591185. $820 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $980, made up of $820 first payment, $60 title, $100 registration. MSRP $57,893. Lease selling price $57,893. Net capitalized cost $58,568. Residual value $35,894, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $29,520. 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_1V2FN2CA2TC591185_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57893.0, "selling_price": 57893.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 726.46, "net_cap_cost": 55569.0, "residual_value": 35893.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 726.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3885.46}, "total_of_payments": 26136, "total_of_payments_unrounded": 26152.56}, "disclosure": "Estimated lease payment for stock #W4707, VIN 1V2FN2CA2TC591185. $726 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,885, made up of $726 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,893. Lease selling price $57,893. Net capitalized cost $55,569. Residual value $35,894, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,136. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer 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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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 #W4412, VIN 3VVVC7B23TM042217. Advertised price: $34,962. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,962"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34962.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B23TM042217_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": 34962.0, "price_incl_doc": 34962.0, "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": 709.38, "amount_financed": 37147.13, "sales_tax": 2185.13, "total_of_payments": 42562.91, "finance_charge": 5415.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4412, VIN 3VVVC7B23TM042217. $709 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,962, before any dealer documentation fee. Amount financed $37,147, including $2,185 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,563. 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_3VVVC7B23TM042217_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": 34962.0, "price_incl_doc": 34962.0, "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": 615.46, "amount_financed": 37147.13, "sales_tax": 2185.13, "total_of_payments": 44313.11, "finance_charge": 7165.98, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4412, VIN 3VVVC7B23TM042217. $615 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,962, before any dealer documentation fee. Amount financed $37,147, including $2,185 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,313. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B23TM042217_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": 34962.0, "price_incl_doc": 34962.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.43, "amount_financed": 37147.13, "sales_tax": 2185.13, "total_of_payments": 46320.47, "finance_charge": 9173.34, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4412, VIN 3VVVC7B23TM042217. $551 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,962, before any dealer documentation fee. Amount financed $37,147, including $2,185 estimated sales tax at 6.25%. That is $14.84 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_3VVVC7B23TM042217_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34962.0, "selling_price": 34962.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 503.37, "net_cap_cost": 35637.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 503.37, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 663.37}, "total_of_payments": 18108, "total_of_payments_unrounded": 18121.32}, "disclosure": "Estimated lease payment for stock #W4412, VIN 3VVVC7B23TM042217. $503 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $663, made up of $503 first payment, $60 title, $100 registration. MSRP $34,962. Lease selling price $34,962. Net capitalized cost $35,637. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B23TM042217_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34962.0, "selling_price": 34962.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 410.08, "net_cap_cost": 32638.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 410.08, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3569.08}, "total_of_payments": 14760, "total_of_payments_unrounded": 14762.88}, "disclosure": "Estimated lease payment for stock #W4412, VIN 3VVVC7B23TM042217. $410 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,569, made up of $410 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,962. Lease selling price $34,962. Net capitalized cost $32,638. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,760. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 185}}, {"vin": "3VVMR7RM5TM025341", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 6, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & Black", "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,923. This offer applies to Stock #VD261778, VIN 3VVMR7RM5TM025341. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM025341_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261778, VIN 3VVMR7RM5TM025341. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM5TM025341_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261778, VIN 3VVMR7RM5TM025341. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM5TM025341_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261778, VIN 3VVMR7RM5TM025341. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM025341_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD261778, VIN 3VVMR7RM5TM025341. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM5TM025341_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD261778, VIN 3VVMR7RM5TM025341. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 189}}, {"vin": "1V2HN2CA1TC581692", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44447.0, "msrp": 49348.0, "sale_price": 44447.0, "currency": "USD", "mileage": 7, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4581", "stock_status": "Available", 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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 $4,901. This offer applies to Stock #W4581, VIN 1V2HN2CA1TC581692. 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: $49,348. Advertised price: $44,447. Savings: $4,901, 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": "$49,348"}, {"label": "Advertised price", "value": "$44,447"}, {"label": "Savings", "value": "$4,901, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,901", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44447.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA1TC581692_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": 44447.0, "price_incl_doc": 44447.0, "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": 901.83, "amount_financed": 47224.94, "sales_tax": 2777.94, "total_of_payments": 54110.0, "finance_charge": 6885.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4581, VIN 1V2HN2CA1TC581692. $902 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,447, before any dealer documentation fee. Amount financed $47,225, including $2,778 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,110. 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_1V2HN2CA1TC581692_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44447.0, "price_incl_doc": 44447.0, "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": 782.43, "amount_financed": 47224.94, "sales_tax": 2777.94, "total_of_payments": 56335.01, "finance_charge": 9110.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4581, VIN 1V2HN2CA1TC581692. $782 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,447, before any dealer documentation fee. Amount financed $47,225, including $2,778 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,335. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC581692_finance_84", "type": "finance_84", "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": 44447.0, "price_incl_doc": 44447.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.04, "amount_financed": 47224.94, "sales_tax": 2777.94, "total_of_payments": 58886.95, "finance_charge": 11662.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4581, VIN 1V2HN2CA1TC581692. $701 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,447, before any dealer documentation fee. Amount financed $47,225, including $2,778 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,887. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC581692_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 549, "unit": "per_month", "display": "$549/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49348.0, "selling_price": 44447.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 549.4, "net_cap_cost": 45122.0, "residual_value": 30595.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 549.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 709.4}, "total_of_payments": 19764, "total_of_payments_unrounded": 19778.4}, "disclosure": "Estimated lease payment for stock #W4581, VIN 1V2HN2CA1TC581692. $549 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $709, made up of $549 first payment, $60 title, $100 registration. MSRP $49,348. Lease selling price $44,447. Net capitalized cost $45,122. Residual value $30,596, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,764. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC581692_lease", "type": "lease", "label": "Lease", "headline": {"value": 456, "unit": "per_month", "display": "$456/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49348.0, "selling_price": 44447.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 456.11, "net_cap_cost": 42123.0, "residual_value": 30595.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 456.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3615.11}, "total_of_payments": 16416, "total_of_payments_unrounded": 16419.96}, "disclosure": "Estimated lease payment for stock #W4581, VIN 1V2HN2CA1TC581692. $456 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,615, made up of $456 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,348. Lease selling price $44,447. Net capitalized cost $42,123. Residual value $30,596, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,416. 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"}], "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": 191}}, {"vin": "1V2CN2CA1TC586708", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 46046.0, "msrp": 51778.0, "sale_price": 46046.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "interior_color": "BLACK LEATHERE", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4675", "stock_status": "Available", 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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 $5,732. This offer applies to Stock #W4675, VIN 1V2CN2CA1TC586708. 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: $51,778. Advertised price: $46,046. Savings: $5,732, 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": "$51,778"}, {"label": "Advertised price", "value": "$46,046"}, {"label": "Savings", "value": "$5,732, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,732", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46046.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA1TC586708_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 934, "unit": "per_month", "display": "$934/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46046.0, "price_incl_doc": 46046.0, "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": 934.28, "amount_financed": 48923.88, "sales_tax": 2877.88, "total_of_payments": 56056.63, "finance_charge": 7132.75, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4675, VIN 1V2CN2CA1TC586708. $934 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,046, before any dealer documentation fee. Amount financed $48,924, including $2,878 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,057. 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_1V2CN2CA1TC586708_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 811, "unit": "per_month", "display": "$811/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46046.0, "price_incl_doc": 46046.0, "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": 810.58, "amount_financed": 48923.88, "sales_tax": 2877.88, "total_of_payments": 58361.69, "finance_charge": 9437.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4675, VIN 1V2CN2CA1TC586708. $811 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,046, before any dealer documentation fee. Amount financed $48,924, including $2,878 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,362. 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_1V2CN2CA1TC586708_finance_84", "type": "finance_84", "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": 46046.0, "price_incl_doc": 46046.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 726.26, "amount_financed": 48923.88, "sales_tax": 2877.88, "total_of_payments": 61005.44, "finance_charge": 12081.56, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4675, VIN 1V2CN2CA1TC586708. $726 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,046, before any dealer documentation fee. Amount financed $48,924, including $2,878 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,005. 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_1V2CN2CA1TC586708_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51778.0, "selling_price": 46046.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 557.08, "net_cap_cost": 46721.0, "residual_value": 32102.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 557.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 717.08}, "total_of_payments": 20052, "total_of_payments_unrounded": 20054.88}, "disclosure": "Estimated lease payment for stock #W4675, VIN 1V2CN2CA1TC586708. $557 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $717, made up of $557 first payment, $60 title, $100 registration. MSRP $51,778. Lease selling price $46,046. Net capitalized cost $46,721. Residual value $32,102, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,052. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA1TC586708_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": 51778.0, "selling_price": 46046.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.79, "net_cap_cost": 43722.0, "residual_value": 32102.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3622.79}, "total_of_payments": 16704, "total_of_payments_unrounded": 16696.44}, "disclosure": "Estimated lease payment for stock #W4675, VIN 1V2CN2CA1TC586708. $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 $51,778. Lease selling price $46,046. Net capitalized cost $43,722. Residual value $32,102, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 34, "elapsed_ms": 193}}, {"vin": "JM1DKDC7XK0418807", "title": "2019 Mazda CX-3 Touring", "year": 2019, "make": "Mazda", "model": "CX-3", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 17278.0, "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, "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": 29, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "GD260589A", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262117, VIN 3VVMR7RM9TM082089. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262117, VIN 3VVMR7RM9TM082089. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM9TM082089_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262117, VIN 3VVMR7RM9TM082089. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM082089_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262117, VIN 3VVMR7RM9TM082089. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM9TM082089_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262117, VIN 3VVMR7RM9TM082089. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 34, "elapsed_ms": 196}}, {"vin": "1GYKNCRS9HZ244926", "title": "2017 Cadillac XT5 Premium Luxury FWD", "year": 2017, "make": "Cadillac", "model": "XT5", "trim": "Premium Luxury FWD", "decoded_trim": "Premium Luxury", "condition": "used", "price": 15229.0, "msrp": 15229.0, "sale_price": 15499.0, "currency": "USD", "mileage": 109167, "exterior_color": "Crystal White Tricoat", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V6 3.6L/222.6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "8-Speed Automatic", "mpg_city": 19, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "GD260626A", "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 #GD260626A, VIN 1GYKNCRS9HZ244926. Advertised price: $15,229. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$15,229"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15229.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYKNCRS9HZ244926_finance_48", "type": "finance_48", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15229.0, "price_incl_doc": 15229.0, "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": 379.93, "amount_financed": 16180.81, "sales_tax": 951.81, "total_of_payments": 18236.77, "finance_charge": 2055.96, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260626A, VIN 1GYKNCRS9HZ244926. $380 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,229, before any dealer documentation fee. Amount financed $16,181, including $952 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $18,237. 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"}, {"offer_id": "of_1GYKNCRS9HZ244926_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15229.0, "price_incl_doc": 15229.0, "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": 316.52, "amount_financed": 16180.81, "sales_tax": 951.81, "total_of_payments": 18991.22, "finance_charge": 2810.41, "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. $317 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,229, before any dealer documentation fee. Amount financed $16,181, including $952 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $18,991. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24895.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 24895.0, "price_incl_doc": 24895.0, "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": 517.42, "amount_financed": 26450.94, "sales_tax": 1555.94, "total_of_payments": 31045.15, "finance_charge": 4594.21, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261045A, VIN 5NTJEDAFXNH038184. $517 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,895, before any dealer documentation fee. Amount financed $26,451, including $1,556 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,045. 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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,290. This offer applies to Stock #NRVD262280, VIN 1V2BN2CA3TC579562. 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: $52,126. Advertised price: $46,836. Savings: $5,290, 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": "$52,126"}, {"label": "Advertised price", "value": "$46,836"}, {"label": "Savings", "value": "$5,290, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,290", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46836.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA3TC579562_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 950, "unit": "per_month", "display": "$950/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46836.0, "price_incl_doc": 46836.0, "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": 950.31, "amount_financed": 49763.25, "sales_tax": 2927.25, "total_of_payments": 57018.37, "finance_charge": 7255.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262280, VIN 1V2BN2CA3TC579562. $950 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,836, before any dealer documentation fee. Amount financed $49,763, including $2,927 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,018. 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_1V2BN2CA3TC579562_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 824, "unit": "per_month", "display": "$824/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46836.0, "price_incl_doc": 46836.0, "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": 824.49, "amount_financed": 49763.25, "sales_tax": 2927.25, "total_of_payments": 59362.98, "finance_charge": 9599.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262280, VIN 1V2BN2CA3TC579562. $824 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,836, before any dealer documentation fee. Amount financed $49,763, including $2,927 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,363. 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_1V2BN2CA3TC579562_finance_84", "type": "finance_84", "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": 46836.0, "price_incl_doc": 46836.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.72, "amount_financed": 49763.25, "sales_tax": 2927.25, "total_of_payments": 62052.09, "finance_charge": 12288.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262280, VIN 1V2BN2CA3TC579562. $739 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,836, before any dealer documentation fee. Amount financed $49,763, including $2,927 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,052. 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_1V2BN2CA3TC579562_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52126.0, "selling_price": 46836.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 575.63, "net_cap_cost": 47511.0, "residual_value": 32318.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 575.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 735.63}, "total_of_payments": 20736, "total_of_payments_unrounded": 20722.68}, "disclosure": "Estimated lease payment for stock #NRVD262280, VIN 1V2BN2CA3TC579562. $576 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $736, made up of $576 first payment, $60 title, $100 registration. MSRP $52,126. Lease selling price $46,836. Net capitalized cost $47,511. Residual value $32,318, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,736. 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"}, {"offer_id": "of_1V2BN2CA3TC579562_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52126.0, "selling_price": 46836.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 482.34, "net_cap_cost": 44512.0, "residual_value": 32318.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 482.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3641.34}, "total_of_payments": 17352, "total_of_payments_unrounded": 17364.24}, "disclosure": "Estimated lease payment for stock #NRVD262280, VIN 1V2BN2CA3TC579562. $482 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,641, made up of $482 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,126. Lease selling price $46,836. Net capitalized cost $44,512. Residual value $32,318, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $17,352. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 161}}, {"vin": "WVW3E7CD8TW253560", "title": "2026 Volkswagen Golf GTI SE", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 42740.0, "msrp": 42740.0, "sale_price": 40088.0, "currency": "USD", "mileage": 10, "exterior_color": "Moonstone Gray", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "W4647", "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 #W4647, VIN WVW3E7CD8TW253560. Advertised price: $42,740. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$42,740"}], "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42740.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVW3E7CD8TW253560_finance_60", "type": "finance_60", "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": 42740.0, "price_incl_doc": 42740.0, "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": 867.2, "amount_financed": 45411.25, "sales_tax": 2671.25, "total_of_payments": 52031.88, "finance_charge": 6620.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4647, VIN WVW3E7CD8TW253560. $867 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,740, before any dealer documentation fee. Amount financed $45,411, including $2,671 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,032. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVW3E7CD8TW253560_finance_72", "type": "finance_72", "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": 42740.0, "price_incl_doc": 42740.0, "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": 752.38, "amount_financed": 45411.25, "sales_tax": 2671.25, "total_of_payments": 54171.45, "finance_charge": 8760.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4647, VIN WVW3E7CD8TW253560. $752 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,740, before any dealer documentation fee. Amount financed $45,411, including $2,671 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,171. 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_WVW3E7CD8TW253560_finance_84", "type": "finance_84", "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": 42740.0, "price_incl_doc": 42740.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 674.11, "amount_financed": 45411.25, "sales_tax": 2671.25, "total_of_payments": 56625.38, "finance_charge": 11214.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4647, VIN WVW3E7CD8TW253560. $674 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,740, before any dealer documentation fee. Amount financed $45,411, including $2,671 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,625. 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"}, {"offer_id": "of_WVW3E7CD8TW253560_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": 42740.0, "selling_price": 42740.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 610.69, "net_cap_cost": 43415.0, "residual_value": 26498.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 610.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 770.69}, "total_of_payments": 21996, "total_of_payments_unrounded": 21984.84}, "disclosure": "Estimated lease payment for stock #W4647, VIN WVW3E7CD8TW253560. $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 $42,740. Lease selling price $42,740. Net capitalized cost $43,415. Residual value $26,499, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVW3E7CD8TW253560_lease", "type": "lease", "label": "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": 42740.0, "selling_price": 42740.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 517.4, "net_cap_cost": 40416.0, "residual_value": 26498.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 517.4, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3676.4}, "total_of_payments": 18612, "total_of_payments_unrounded": 18626.4}, "disclosure": "Estimated lease payment for stock #W4647, VIN WVW3E7CD8TW253560. $517 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,676, made up of $517 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,740. Lease selling price $42,740. Net capitalized cost $40,416. Residual value $26,499, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 175}}, {"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": 63811.0, "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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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 63811.0, "price_incl_doc": 63811.0, "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": 1326.25, "amount_financed": 67799.19, "sales_tax": 3988.19, "total_of_payments": 79575.09, "finance_charge": 11775.9, "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. $1,326 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $63,811, before any dealer documentation fee. Amount financed $67,799, including $3,988 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $79,575. 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_5TDABAB66RS005882_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1156, "unit": "per_month", "display": "$1,156/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": 63811.0, "price_incl_doc": 63811.0, "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": 1155.58, "amount_financed": 67799.19, "sales_tax": 3988.19, "total_of_payments": 83202.0, "finance_charge": 15402.81, "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. $1,156 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $63,811, before any dealer documentation fee. Amount financed $67,799, including $3,988 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $83,202. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 26251.0, "price_incl_doc": 26251.0, "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": 545.6, "amount_financed": 27891.69, "sales_tax": 1640.69, "total_of_payments": 32736.14, "finance_charge": 4844.45, "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. $546 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,251, before any dealer documentation fee. Amount financed $27,892, including $1,641 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,736. 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": 26251.0, "price_incl_doc": 26251.0, "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": 475.39, "amount_financed": 27891.69, "sales_tax": 1640.69, "total_of_payments": 34228.2, "finance_charge": 6336.51, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0532, VIN 4T1K61AK1LU969506. $475 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,251, before any dealer documentation fee. Amount financed $27,892, including $1,641 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,228. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25700.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5LMCJ2D93LUL22989_finance_48", "type": "finance_48", "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": 25700.0, "price_incl_doc": 25700.0, "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": 641.16, "amount_financed": 27306.25, "sales_tax": 1606.25, "total_of_payments": 30775.82, "finance_charge": 3469.57, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260413XA, VIN 5LMCJ2D93LUL22989. $641 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,700, before any dealer documentation fee. Amount financed $27,306, including $1,606 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,776. 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"}, {"offer_id": "of_5LMCJ2D93LUL22989_finance_60", "type": "finance_60", "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": 25700.0, "price_incl_doc": 25700.0, "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": 534.15, "amount_financed": 27306.25, "sales_tax": 1606.25, "total_of_payments": 32049.01, "finance_charge": 4742.76, "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. $534 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,700, before any dealer documentation fee. Amount financed $27,306, including $1,606 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,049. 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": 25700.0, "price_incl_doc": 25700.0, "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": 465.41, "amount_financed": 27306.25, "sales_tax": 1606.25, "total_of_payments": 33509.76, "finance_charge": 6203.51, "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. $465 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,700, before any dealer documentation fee. Amount financed $27,306, including $1,606 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,510. 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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,005. This offer applies to Stock #W4554, VIN 1V2KN2CAXTC577999. 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: $50,293. Advertised price: $45,288. Savings: $5,005, 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": "$50,293"}, {"label": "Advertised price", "value": "$45,288"}, {"label": "Savings", "value": "$5,005, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,005", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45288.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CAXTC577999_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": 45288.0, "price_incl_doc": 45288.0, "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": 918.9, "amount_financed": 48118.5, "sales_tax": 2830.5, "total_of_payments": 55133.83, "finance_charge": 7015.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4554, VIN 1V2KN2CAXTC577999. $919 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,288, before any dealer documentation fee. Amount financed $48,118, including $2,830 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,134. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC577999_finance_72", "type": "finance_72", "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": 45288.0, "price_incl_doc": 45288.0, "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": 797.24, "amount_financed": 48118.5, "sales_tax": 2830.5, "total_of_payments": 57400.95, "finance_charge": 9282.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4554, VIN 1V2KN2CAXTC577999. $797 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,288, before any dealer documentation fee. Amount financed $48,118, including $2,830 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,401. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC577999_finance_84", "type": "finance_84", "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": 45288.0, "price_incl_doc": 45288.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 714.3, "amount_financed": 48118.5, "sales_tax": 2830.5, "total_of_payments": 60001.17, "finance_charge": 11882.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4554, VIN 1V2KN2CAXTC577999. $714 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,288, before any dealer documentation fee. Amount financed $48,118, including $2,830 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,001. 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_1V2KN2CAXTC577999_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": 50293.0, "selling_price": 45288.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 559.2, "net_cap_cost": 45963.0, "residual_value": 31181.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 559.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 719.2}, "total_of_payments": 20124, "total_of_payments_unrounded": 20131.2}, "disclosure": "Estimated lease payment for stock #W4554, VIN 1V2KN2CAXTC577999. $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 $50,293. Lease selling price $45,288. Net capitalized cost $45,963. Residual value $31,182, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CAXTC577999_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": 50293.0, "selling_price": 45288.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 465.91, "net_cap_cost": 42964.0, "residual_value": 31181.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3624.91}, "total_of_payments": 16776, "total_of_payments_unrounded": 16772.76}, "disclosure": "Estimated lease payment for stock #W4554, VIN 1V2KN2CAXTC577999. $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 $50,293. Lease selling price $45,288. Net capitalized cost $42,964. Residual value $31,182, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca9tc524582/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA9TC524582.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA9TC524582.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA9TC524582.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca9tc524582/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,405. This offer applies to Stock #VD262094X, VIN 1V2BN2CA9TC524582. 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: $53,276. Advertised price: $47,871. Savings: $5,405, 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": "$53,276"}, {"label": "Advertised price", "value": "$47,871"}, {"label": "Savings", "value": "$5,405, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,405", "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": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA9TC524582_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 971, "unit": "per_month", "display": "$971/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47871.0, "price_incl_doc": 47871.0, "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": 971.31, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 58278.39, "finance_charge": 7415.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262094X, VIN 1V2BN2CA9TC524582. $971 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,278. 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_1V2BN2CA9TC524582_finance_72", "type": "finance_72", "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": 47871.0, "price_incl_doc": 47871.0, "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": 842.71, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 60674.81, "finance_charge": 9811.87, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262094X, VIN 1V2BN2CA9TC524582. $843 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC524582_finance_84", "type": "finance_84", "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": 47871.0, "price_incl_doc": 47871.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.04, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 63423.34, "finance_charge": 12560.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262094X, VIN 1V2BN2CA9TC524582. $755 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,423. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC524582_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 587.92, "net_cap_cost": 48546.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 587.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 747.92}, "total_of_payments": 21168, "total_of_payments_unrounded": 21165.12}, "disclosure": "Estimated lease payment for stock #VD262094X, VIN 1V2BN2CA9TC524582. $588 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $748, made up of $588 first payment, $60 title, $100 registration. MSRP $53,276. Lease selling price $47,871. Net capitalized cost $48,546. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC524582_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": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.63, "net_cap_cost": 45547.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3653.63}, "total_of_payments": 17820, "total_of_payments_unrounded": 17806.68}, "disclosure": "Estimated lease payment for stock #VD262094X, VIN 1V2BN2CA9TC524582. $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 $53,276. Lease selling price $47,871. Net capitalized cost $45,547. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:30Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27255.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 27255.0, "price_incl_doc": 27255.0, "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": 679.96, "amount_financed": 28958.44, "sales_tax": 1703.44, "total_of_payments": 32637.94, "finance_charge": 3679.5, "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. $680 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,255, before any dealer documentation fee. Amount financed $28,958, including $1,703 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,638. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 27255.0, "price_incl_doc": 27255.0, "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": 566.47, "amount_financed": 28958.44, "sales_tax": 1703.44, "total_of_payments": 33988.17, "finance_charge": 5029.73, "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. $566 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,255, before any dealer documentation fee. Amount financed $28,958, including $1,703 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,988. 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_JM3KFBCM4P0168615_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27255.0, "price_incl_doc": 27255.0, "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": 493.57, "amount_financed": 28958.44, "sales_tax": 1703.44, "total_of_payments": 35537.3, "finance_charge": 6578.86, "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. $494 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,255, before any dealer documentation fee. Amount financed $28,958, including $1,703 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,537. 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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,569. This offer applies to Stock #W4485, VIN 3VVGR7RM2TM093769. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM2TM093769_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4485, VIN 3VVGR7RM2TM093769. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM2TM093769_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4485, VIN 3VVGR7RM2TM093769. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM2TM093769_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4485, VIN 3VVGR7RM2TM093769. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM2TM093769_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4485, VIN 3VVGR7RM2TM093769. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM2TM093769_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4485, VIN 3VVGR7RM2TM093769. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 188}}, {"vin": "3VV4C7B26TM044796", "title": "2026 Volkswagen Taos SEL", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 36249.0, "msrp": 38711.0, "sale_price": 36249.0, "currency": "USD", "mileage": 7, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Gray", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4387", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlevwdownersgrove.com/vehicle/3VV4C7B26TM044796.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B26TM044796.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B26TM044796.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b26tm044796/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,462. This offer applies to Stock #W4387, VIN 3VV4C7B26TM044796. 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: $38,711. Advertised price: $36,249. Savings: $2,462, 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": "$38,711"}, {"label": "Advertised price", "value": "$36,249"}, {"label": "Savings", "value": "$2,462, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,462", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36249.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B26TM044796_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": 36249.0, "price_incl_doc": 36249.0, "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": 735.5, "amount_financed": 38514.56, "sales_tax": 2265.56, "total_of_payments": 44129.71, "finance_charge": 5615.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4387, VIN 3VV4C7B26TM044796. $736 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,249, before any dealer documentation fee. Amount financed $38,515, including $2,266 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,130. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B26TM044796_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": 36249.0, "price_incl_doc": 36249.0, "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": 638.12, "amount_financed": 38514.56, "sales_tax": 2265.56, "total_of_payments": 45944.33, "finance_charge": 7429.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4387, VIN 3VV4C7B26TM044796. $638 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,249, before any dealer documentation fee. Amount financed $38,515, including $2,266 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,944. 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_3VV4C7B26TM044796_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": 36249.0, "price_incl_doc": 36249.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 571.73, "amount_financed": 38514.56, "sales_tax": 2265.56, "total_of_payments": 48025.58, "finance_charge": 9511.02, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4387, VIN 3VV4C7B26TM044796. $572 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,249, before any dealer documentation fee. Amount financed $38,515, including $2,266 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,026. 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_3VV4C7B26TM044796_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": 38711.0, "selling_price": 36249.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 478.51, "net_cap_cost": 36924.0, "residual_value": 24000.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 478.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 638.51}, "total_of_payments": 17244, "total_of_payments_unrounded": 17226.36}, "disclosure": "Estimated lease payment for stock #W4387, VIN 3VV4C7B26TM044796. $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 $38,711. Lease selling price $36,249. Net capitalized cost $36,924. Residual value $24,001, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV4C7B26TM044796_lease", "type": "lease", "label": "Lease", "headline": {"value": 385, "unit": "per_month", "display": "$385/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38711.0, "selling_price": 36249.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 385.22, "net_cap_cost": 33925.0, "residual_value": 24000.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 385.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3544.22}, "total_of_payments": 13860, "total_of_payments_unrounded": 13867.92}, "disclosure": "Estimated lease payment for stock #W4387, VIN 3VV4C7B26TM044796. $385 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,544, made up of $385 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,711. Lease selling price $36,249. Net capitalized cost $33,925. Residual value $24,001, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,860. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29681.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu4tm042045/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu4tm042045/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU4TM042045.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU4TM042045.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU4TM042045.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu4tm042045/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,564. This offer applies to Stock #VD262092, VIN 3VW7W7BU4TM042045. 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: $29,681. Advertised price: $27,117. Savings: $2,564, 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": "$29,681"}, {"label": "Advertised price", "value": "$27,117"}, {"label": "Savings", "value": "$2,564, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,564", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27117.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU4TM042045_finance_60", "type": "finance_60", "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": 27117.0, "price_incl_doc": 27117.0, "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": 550.21, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 33012.36, "finance_charge": 4200.55, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262092, VIN 3VW7W7BU4TM042045. $550 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,012. 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_3VW7W7BU4TM042045_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27117.0, "price_incl_doc": 27117.0, "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": 477.36, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 34369.84, "finance_charge": 5558.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262092, VIN 3VW7W7BU4TM042045. $477 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU4TM042045_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27117.0, "price_incl_doc": 27117.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 427.7, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 35926.77, "finance_charge": 7114.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262092, VIN 3VW7W7BU4TM042045. $428 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,927. 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_3VW7W7BU4TM042045_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 351, "unit": "per_month", "display": "$351/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27117.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 350.75, "net_cap_cost": 27792.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 350.75, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 510.75}, "total_of_payments": 12636, "total_of_payments_unrounded": 12627.0}, "disclosure": "Estimated lease payment for stock #VD262092, VIN 3VW7W7BU4TM042045. $351 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $511, made up of $351 first payment, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,117. Net capitalized cost $27,792. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,636. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU4TM042045_lease", "type": "lease", "label": "Lease", "headline": {"value": 257, "unit": "per_month", "display": "$257/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27117.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 257.46, "net_cap_cost": 24793.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 257.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3416.46}, "total_of_payments": 9252, "total_of_payments_unrounded": 9268.56}, "disclosure": "Estimated lease payment for stock #VD262092, VIN 3VW7W7BU4TM042045. $257 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,416, made up of $257 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,117. Net capitalized cost $24,793. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,252. 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"}], "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": 190}}, {"vin": "WVWSE7CD9TW274638", "title": "2026 Volkswagen Golf GTI SE", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 41615.0, "msrp": 41615.0, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Opal White Pearl", "interior_color": null, "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "VD262335", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/673aa7c9901c4982964a98453c731db3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/673aa7c9901c4982964a98453c731db3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/67412dde354442389f428291407f1da8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba72efa9656945678fe673782bcdd298.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4722ac46b85452cabd6c0c072f435a4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed6cd1f2adf5445ba73154798fdd409f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f36cc2de20a450b98eaed725264cde6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/088b420e085248c9badf51baead62c27.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "SE", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41615.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd9tw274638/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd9tw274638/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWSE7CD9TW274638.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWSE7CD9TW274638.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWSE7CD9TW274638.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwse7cd9tw274638/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262335, VIN WVWSE7CD9TW274638. Advertised price: $41,615. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$41,615"}], "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41615.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWSE7CD9TW274638_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 844, "unit": "per_month", "display": "$844/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41615.0, "price_incl_doc": 41615.0, "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": 844.37, "amount_financed": 44215.94, "sales_tax": 2600.94, "total_of_payments": 50662.31, "finance_charge": 6446.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262335, VIN WVWSE7CD9TW274638. $844 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,615, before any dealer documentation fee. Amount financed $44,216, including $2,601 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,662. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWSE7CD9TW274638_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": 41615.0, "price_incl_doc": 41615.0, "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": 732.58, "amount_financed": 44215.94, "sales_tax": 2600.94, "total_of_payments": 52745.55, "finance_charge": 8529.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262335, VIN WVWSE7CD9TW274638. $733 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,615, before any dealer documentation fee. Amount financed $44,216, including $2,601 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWSE7CD9TW274638_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": 41615.0, "price_incl_doc": 41615.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 656.37, "amount_financed": 44215.94, "sales_tax": 2600.94, "total_of_payments": 55134.89, "finance_charge": 10918.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262335, VIN WVWSE7CD9TW274638. $656 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,615, before any dealer documentation fee. Amount financed $44,216, including $2,601 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,135. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWSE7CD9TW274638_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41615.0, "selling_price": 41615.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 595.17, "net_cap_cost": 42290.0, "residual_value": 25801.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 595.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 755.17}, "total_of_payments": 21420, "total_of_payments_unrounded": 21426.12}, "disclosure": "Estimated lease payment for stock #VD262335, VIN WVWSE7CD9TW274638. $595 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $755, made up of $595 first payment, $60 title, $100 registration. MSRP $41,615. Lease selling price $41,615. Net capitalized cost $42,290. Residual value $25,801, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,420. 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_WVWSE7CD9TW274638_lease", "type": "lease", "label": "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": 41615.0, "selling_price": 41615.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 501.87, "net_cap_cost": 39291.0, "residual_value": 25801.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 501.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3660.87}, "total_of_payments": 18072, "total_of_payments_unrounded": 18067.32}, "disclosure": "Estimated lease payment for stock #VD262335, VIN WVWSE7CD9TW274638. $502 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,661, made up of $502 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,615. Lease selling price $41,615. Net capitalized cost $39,291. Residual value $25,801, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B28TM061541.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B28TM061541.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B28TM061541.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b28tm061541/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262208, VIN 3VVVC7B28TM061541. 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: $34,641. Advertised price: $31,851. 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": "$34,641"}, {"label": "Advertised price", "value": "$31,851"}, {"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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31851.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B28TM061541_finance_60", "type": "finance_60", "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": 31851.0, "price_incl_doc": 31851.0, "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": 646.26, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 38775.57, "finance_charge": 4933.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262208, VIN 3VVVC7B28TM061541. $646 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,776. 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"}, {"offer_id": "of_3VVVC7B28TM061541_finance_72", "type": "finance_72", "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": 31851.0, "price_incl_doc": 31851.0, "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": 560.69, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 40370.03, "finance_charge": 6528.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262208, VIN 3VVVC7B28TM061541. $561 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B28TM061541_finance_84", "type": "finance_84", "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": 31851.0, "price_incl_doc": 31851.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.37, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 42198.76, "finance_charge": 8357.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262208, VIN 3VVVC7B28TM061541. $502 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,199. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B28TM061541_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 412, "unit": "per_month", "display": "$412/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 412.15, "net_cap_cost": 32526.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 572.15}, "total_of_payments": 14832, "total_of_payments_unrounded": 14837.4}, "disclosure": "Estimated lease payment for stock #VD262208, VIN 3VVVC7B28TM061541. $412 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $572, made up of $412 first payment, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $32,526. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,832. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B28TM061541_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 318.86, "net_cap_cost": 29527.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 318.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3477.86}, "total_of_payments": 11484, "total_of_payments_unrounded": 11478.96}, "disclosure": "Estimated lease payment for stock #VD262208, VIN 3VVVC7B28TM061541. $319 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,478, made up of $319 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $29,527. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,484. 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"}], "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": 126}}, {"vin": "1V2HN2CA8TC532912", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44088.0, "msrp": 49426.0, "sale_price": 44088.0, "currency": "USD", "mileage": 5, "exterior_color": "Silver Mist Metallic", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261933", "stock_status": 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca8tc532912/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA8TC532912.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA8TC532912.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA8TC532912.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca8tc532912/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,338. This offer applies to Stock #VD261933, VIN 1V2HN2CA8TC532912. 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: $49,426. Advertised price: $44,088. Savings: $5,338, 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": "$49,426"}, {"label": "Advertised price", "value": "$44,088"}, {"label": "Savings", "value": "$5,338, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,338", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44088.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA8TC532912_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 895, "unit": "per_month", "display": "$895/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44088.0, "price_incl_doc": 44088.0, "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": 894.55, "amount_financed": 46843.5, "sales_tax": 2755.5, "total_of_payments": 53672.95, "finance_charge": 6829.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261933, VIN 1V2HN2CA8TC532912. $895 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,088, before any dealer documentation fee. Amount financed $46,844, including $2,756 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,673. 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_1V2HN2CA8TC532912_finance_72", "type": "finance_72", "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": 44088.0, "price_incl_doc": 44088.0, "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": 776.11, "amount_financed": 46843.5, "sales_tax": 2755.5, "total_of_payments": 55879.99, "finance_charge": 9036.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261933, VIN 1V2HN2CA8TC532912. $776 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,088, before any dealer documentation fee. Amount financed $46,844, including $2,756 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,880. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA8TC532912_finance_84", "type": "finance_84", "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": 44088.0, "price_incl_doc": 44088.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 695.37, "amount_financed": 46843.5, "sales_tax": 2755.5, "total_of_payments": 58411.32, "finance_charge": 11567.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261933, VIN 1V2HN2CA8TC532912. $695 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,088, before any dealer documentation fee. Amount financed $46,844, including $2,756 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,411. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA8TC532912_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": 49426.0, "selling_price": 44088.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 536.88, "net_cap_cost": 44763.0, "residual_value": 30644.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 536.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 696.88}, "total_of_payments": 19332, "total_of_payments_unrounded": 19327.68}, "disclosure": "Estimated lease payment for stock #VD261933, VIN 1V2HN2CA8TC532912. $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 $49,426. Lease selling price $44,088. Net capitalized cost $44,763. Residual value $30,644, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA8TC532912_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": 49426.0, "selling_price": 44088.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 443.59, "net_cap_cost": 41764.0, "residual_value": 30644.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 443.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3602.59}, "total_of_payments": 15984, "total_of_payments_unrounded": 15969.24}, "disclosure": "Estimated lease payment for stock #VD261933, VIN 1V2HN2CA8TC532912. $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 $49,426. Lease selling price $44,088. Net capitalized cost $41,764. Residual value $30,644, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,984. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm084707/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM1TM084707.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM084707.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM084707.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm084707/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,554. This offer applies to Stock #W4443, VIN 3VVGR7RM1TM084707. 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: $41,918. Advertised price: $38,364. Savings: $3,554, 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": "$41,918"}, {"label": "Advertised price", "value": "$38,364"}, {"label": "Savings", "value": "$3,554, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,554", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38364.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM1TM084707_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": 38364.0, "price_incl_doc": 38364.0, "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": 778.41, "amount_financed": 40761.75, "sales_tax": 2397.75, "total_of_payments": 46704.52, "finance_charge": 5942.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4443, VIN 3VVGR7RM1TM084707. $778 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,364, before any dealer documentation fee. Amount financed $40,762, including $2,398 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,705. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM084707_finance_72", "type": "finance_72", "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": 38364.0, "price_incl_doc": 38364.0, "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": 675.35, "amount_financed": 40761.75, "sales_tax": 2397.75, "total_of_payments": 48625.02, "finance_charge": 7863.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4443, VIN 3VVGR7RM1TM084707. $675 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,364, before any dealer documentation fee. Amount financed $40,762, including $2,398 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,625. 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"}, {"offer_id": "of_3VVGR7RM1TM084707_finance_84", "type": "finance_84", "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": 38364.0, "price_incl_doc": 38364.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.09, "amount_financed": 40761.75, "sales_tax": 2397.75, "total_of_payments": 50827.7, "finance_charge": 10065.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4443, VIN 3VVGR7RM1TM084707. $605 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,364, before any dealer documentation fee. Amount financed $40,762, including $2,398 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,828. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM084707_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": 41918.0, "selling_price": 38364.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.79, "net_cap_cost": 39039.0, "residual_value": 25989.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 648.79}, "total_of_payments": 17604, "total_of_payments_unrounded": 17596.44}, "disclosure": "Estimated lease payment for stock #W4443, VIN 3VVGR7RM1TM084707. $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 $41,918. Lease selling price $38,364. Net capitalized cost $39,039. Residual value $25,989, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM1TM084707_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": 41918.0, "selling_price": 38364.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 395.5, "net_cap_cost": 36040.0, "residual_value": 25989.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 395.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3554.5}, "total_of_payments": 14256, "total_of_payments_unrounded": 14238.0}, "disclosure": "Estimated lease payment for stock #W4443, VIN 3VVGR7RM1TM084707. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,554, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,918. Lease selling price $38,364. Net capitalized cost $36,040. Residual value $25,989, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48746.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca3tc217401/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca3tc217401/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KC2CA3TC217401.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA3TC217401.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA3TC217401.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca3tc217401/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,340. This offer applies to Stock #VD261858, VIN 1V2KC2CA3TC217401. 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: $48,746. Advertised price: $43,406. Savings: $5,340, 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": "$48,746"}, {"label": "Advertised price", "value": "$43,406"}, {"label": "Savings", "value": "$5,340, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,340", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43406.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA3TC217401_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": 43406.0, "price_incl_doc": 43406.0, "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": 880.71, "amount_financed": 46118.88, "sales_tax": 2712.88, "total_of_payments": 52842.68, "finance_charge": 6723.8, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261858, VIN 1V2KC2CA3TC217401. $881 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,406, before any dealer documentation fee. Amount financed $46,119, including $2,713 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA3TC217401_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": 43406.0, "price_incl_doc": 43406.0, "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": 764.11, "amount_financed": 46118.88, "sales_tax": 2712.88, "total_of_payments": 55015.58, "finance_charge": 8896.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261858, VIN 1V2KC2CA3TC217401. $764 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,406, before any dealer documentation fee. Amount financed $46,119, including $2,713 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,016. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA3TC217401_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": 43406.0, "price_incl_doc": 43406.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.62, "amount_financed": 46118.88, "sales_tax": 2712.88, "total_of_payments": 57507.75, "finance_charge": 11388.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261858, VIN 1V2KC2CA3TC217401. $685 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,406, before any dealer documentation fee. Amount financed $46,119, including $2,713 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,508. 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_1V2KC2CA3TC217401_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": 48746.0, "selling_price": 43406.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.44, "net_cap_cost": 44081.0, "residual_value": 30222.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.44}, "total_of_payments": 18972, "total_of_payments_unrounded": 18987.84}, "disclosure": "Estimated lease payment for stock #VD261858, VIN 1V2KC2CA3TC217401. $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 $48,746. Lease selling price $43,406. Net capitalized cost $44,081. Residual value $30,223, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KC2CA3TC217401_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": 48746.0, "selling_price": 43406.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.15, "net_cap_cost": 41082.0, "residual_value": 30222.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.15}, "total_of_payments": 15624, "total_of_payments_unrounded": 15629.4}, "disclosure": "Estimated lease payment for stock #VD261858, VIN 1V2KC2CA3TC217401. $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 $48,746. Lease selling price $43,406. Net capitalized cost $41,082. Residual value $30,223, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41780.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm045782/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm045782/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM7TM045782.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM7TM045782.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM7TM045782.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm045782/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4296, VIN 3VVGR7RM7TM045782. Advertised price: $41,780. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$41,780"}], "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41780.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM7TM045782_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 848, "unit": "per_month", "display": "$848/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41780.0, "price_incl_doc": 41780.0, "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": 847.72, "amount_financed": 44391.25, "sales_tax": 2611.25, "total_of_payments": 50863.18, "finance_charge": 6471.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4296, VIN 3VVGR7RM7TM045782. $848 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,780, before any dealer documentation fee. Amount financed $44,391, including $2,611 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,863. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM7TM045782_finance_72", "type": "finance_72", "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": 41780.0, "price_incl_doc": 41780.0, "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": 735.48, "amount_financed": 44391.25, "sales_tax": 2611.25, "total_of_payments": 52954.68, "finance_charge": 8563.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4296, VIN 3VVGR7RM7TM045782. $735 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,780, before any dealer documentation fee. Amount financed $44,391, including $2,611 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,955. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM7TM045782_finance_84", "type": "finance_84", "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": 41780.0, "price_incl_doc": 41780.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.97, "amount_financed": 44391.25, "sales_tax": 2611.25, "total_of_payments": 55353.49, "finance_charge": 10962.24, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4296, VIN 3VVGR7RM7TM045782. $659 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,780, before any dealer documentation fee. Amount financed $44,391, including $2,611 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,353. 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_3VVGR7RM7TM045782_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": 41780.0, "selling_price": 41780.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 597.44, "net_cap_cost": 42455.0, "residual_value": 25903.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 597.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 757.44}, "total_of_payments": 21492, "total_of_payments_unrounded": 21507.84}, "disclosure": "Estimated lease payment for stock #W4296, VIN 3VVGR7RM7TM045782. $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 $41,780. Lease selling price $41,780. Net capitalized cost $42,455. Residual value $25,904, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM7TM045782_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41780.0, "selling_price": 41780.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 504.15, "net_cap_cost": 39456.0, "residual_value": 25903.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 504.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3663.15}, "total_of_payments": 18144, "total_of_payments_unrounded": 18149.4}, "disclosure": "Estimated lease payment for stock #W4296, VIN 3VVGR7RM7TM045782. $504 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,663, made up of $504 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,780. Lease selling price $41,780. Net capitalized cost $39,456. Residual value $25,904, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $18,144. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 140}}, {"vin": "3VVGR7RM9TM124208", "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": "new", "price": 38500.0, "msrp": 42017.0, "sale_price": 38500.0, "currency": "USD", "mileage": 6, "exterior_color": "Monterey Blue w/Deep Black Roof", "interior_color": "Grigio & 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": "W4654", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/5f10dae23b1745df982f71b3c5e1e2e9.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/5f10dae23b1745df982f71b3c5e1e2e9.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/fd5ace5bbfc748c6805d8d3bc6c6e615.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3521ca65998246139d86310625d6a131.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3345bb4ba69e42f2b29938d7ddc92b34.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/57c05d49b01f46e7b7548a11890fd33a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/605a011c3ce0482c9322781c542f7472.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/6e3c595b47dc49f6a8ea1b96a56f5349.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "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": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42017.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm124208/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm124208/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM9TM124208.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM124208.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM124208.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm124208/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,517. This offer applies to Stock #W4654, VIN 3VVGR7RM9TM124208. 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: $42,017. Advertised price: $38,500. Savings: $3,517, 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": "$42,017"}, {"label": "Advertised price", "value": "$38,500"}, {"label": "Savings", "value": "$3,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,517", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38500.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM9TM124208_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38500.0, "price_incl_doc": 38500.0, "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": 781.17, "amount_financed": 40906.25, "sales_tax": 2406.25, "total_of_payments": 46870.09, "finance_charge": 5963.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4654, VIN 3VVGR7RM9TM124208. $781 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,500, before any dealer documentation fee. Amount financed $40,906, including $2,406 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,870. 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_3VVGR7RM9TM124208_finance_72", "type": "finance_72", "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": 38500.0, "price_incl_doc": 38500.0, "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": 677.74, "amount_financed": 40906.25, "sales_tax": 2406.25, "total_of_payments": 48797.4, "finance_charge": 7891.15, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4654, VIN 3VVGR7RM9TM124208. $678 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,500, before any dealer documentation fee. Amount financed $40,906, including $2,406 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,797. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM9TM124208_finance_84", "type": "finance_84", "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": 38500.0, "price_incl_doc": 38500.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.24, "amount_financed": 40906.25, "sales_tax": 2406.25, "total_of_payments": 51007.89, "finance_charge": 10101.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4654, VIN 3VVGR7RM9TM124208. $607 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,500, before any dealer documentation fee. Amount financed $40,906, including $2,406 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,008. 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_3VVGR7RM9TM124208_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": 42017.0, "selling_price": 38500.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 491.31, "net_cap_cost": 39175.0, "residual_value": 26050.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.31}, "total_of_payments": 17676, "total_of_payments_unrounded": 17687.16}, "disclosure": "Estimated lease payment for stock #W4654, VIN 3VVGR7RM9TM124208. $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 $42,017. Lease selling price $38,500. Net capitalized cost $39,175. Residual value $26,051, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM9TM124208_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": 42017.0, "selling_price": 38500.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.02, "net_cap_cost": 36176.0, "residual_value": 26050.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.02}, "total_of_payments": 14328, "total_of_payments_unrounded": 14328.72}, "disclosure": "Estimated lease payment for stock #W4654, VIN 3VVGR7RM9TM124208. $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 $42,017. Lease selling price $38,500. Net capitalized cost $36,176. Residual value $26,051, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 165}}, {"vin": "KMUHCESC7PU140979", "title": "2023 Genesis GV80 Advanced +", "year": 2023, "make": "Genesis", "model": "GV80", "trim": "Advanced +", "decoded_trim": "3.5T, 3.5T Advanced, 3.5T Advanced+, 3.5T Prestige", "condition": "used", "price": 46899.0, "msrp": 46899.0, "sale_price": 47711.0, "currency": "USD", "mileage": 29179, "exterior_color": "Himalayan Gray", "interior_color": "Black/Black", "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": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 23, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0525", "stock_status": 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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": 46899.0, "price_incl_doc": 46899.0, "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": 1170.04, "amount_financed": 49830.19, "sales_tax": 2931.19, "total_of_payments": 56161.68, "finance_charge": 6331.49, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0525, VIN KMUHCESC7PU140979. $1,170 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,899, before any dealer documentation fee. Amount financed $49,830, including $2,931 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,162. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUHCESC7PU140979_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": 46899.0, "price_incl_doc": 46899.0, "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": 974.75, "amount_financed": 49830.19, "sales_tax": 2931.19, "total_of_payments": 58485.09, "finance_charge": 8654.9, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0525, VIN KMUHCESC7PU140979. $975 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,899, before any dealer documentation fee. Amount financed $49,830, including $2,931 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,485. 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_KMUHCESC7PU140979_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": 46899.0, "price_incl_doc": 46899.0, "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": 849.32, "amount_financed": 49830.19, "sales_tax": 2931.19, "total_of_payments": 61150.75, "finance_charge": 11320.56, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0525, VIN KMUHCESC7PU140979. $849 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,899, before any dealer documentation fee. Amount financed $49,830, including $2,931 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,151. 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"}], "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": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261913, VIN 3VWBW7BU3TM030219. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU3TM030219_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261913, VIN 3VWBW7BU3TM030219. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU3TM030219_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #NRVD261913, VIN 3VWBW7BU3TM030219. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU3TM030219_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #NRVD261913, VIN 3VWBW7BU3TM030219. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": 198}}, {"vin": "2C4RC3PG9NR100095", "title": "2022 Chrysler Pacifica Pinnacle", "year": 2022, "make": "Chrysler", "model": "Pacifica", "trim": "Pinnacle", "decoded_trim": "Pinnacle", "condition": "used", "price": 24975.0, "msrp": 24975.0, "sale_price": 25160.0, "currency": "USD", "mileage": 107551, "exterior_color": "Brilliant Black Crystal Pearlcoat", "interior_color": "Caramel/Black", "drivetrain": "AWD", "body_style": "Mini-van, Passenger", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.6 L/220", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic w/OD", "mpg_city": 17, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "HD260824AA", "stock_status": "Available", 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"Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/2c4rc3pg9nr100095/2022-chrysler-pacifica-mini-van,-passenger", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/2C4RC3PG9NR100095.html", "json_url": "https://ai.castlevwdownersgrove.com/v/2C4RC3PG9NR100095.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/2C4RC3PG9NR100095.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/2c4rc3pg9nr100095/2022-chrysler-pacifica-mini-van,-passenger", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260824AA, VIN 2C4RC3PG9NR100095. Advertised price: $24,975. 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": "$24,975"}], "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2C4RC3PG9NR100095_finance_48", "type": "finance_48", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24975.0, "price_incl_doc": 24975.0, "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": 623.08, "amount_financed": 26535.94, "sales_tax": 1560.94, "total_of_payments": 29907.63, "finance_charge": 3371.69, "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. $623 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,975, before any dealer documentation fee. Amount financed $26,536, including $1,561 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,908. 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_2C4RC3PG9NR100095_finance_60", "type": "finance_60", "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": 24975.0, "price_incl_doc": 24975.0, "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": 519.08, "amount_financed": 26535.94, "sales_tax": 1560.94, "total_of_payments": 31144.91, "finance_charge": 4608.97, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260824AA, VIN 2C4RC3PG9NR100095. $519 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,975, before any dealer documentation fee. Amount financed $26,536, including $1,561 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,145. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24975.0, "price_incl_doc": 24975.0, "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": 452.28, "amount_financed": 26535.94, "sales_tax": 1560.94, "total_of_payments": 32564.45, "finance_charge": 6028.51, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260824AA, VIN 2C4RC3PG9NR100095. $452 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,975, before any dealer documentation fee. Amount financed $26,536, including $1,561 estimated sales tax at 6.25%. That is $17.04 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"}], "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": 114}}, {"vin": "3VVGR7RM8TM147964", "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": "new", "price": 38549.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 5, "exterior_color": "Avocado Green w/Deep Black Roof", "interior_color": "Crystal Gray", "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": "W4755", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/012fb40cdd504a23b759131392216aaa.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/012fb40cdd504a23b759131392216aaa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/23a4365f04374f6590f8fc474da18fbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/605a3165f7c042f6a0ea8fff3210bd01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/03eb37824f57465aa32c7ab477f9f971.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/196ac968efe44d99ba92d6babd99617b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/432ad8d52ec64c858b1e172e60f097e3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2a52ff5e59b4c889c32dce53648d5f4.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm8tm147964/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm8tm147964/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM8TM147964.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM8TM147964.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM8TM147964.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm8tm147964/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,527. This offer applies to Stock #W4755, VIN 3VVGR7RM8TM147964. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM8TM147964_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4755, VIN 3VVGR7RM8TM147964. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM8TM147964_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4755, VIN 3VVGR7RM8TM147964. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM8TM147964_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4755, VIN 3VVGR7RM8TM147964. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM8TM147964_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4755, VIN 3VVGR7RM8TM147964. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM8TM147964_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4755, VIN 3VVGR7RM8TM147964. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WAULSAF88PN011137_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1808, "unit": "per_month", "display": "$1,808/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_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_WAULSAF88PN011137_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1507, "unit": "per_month", "display": "$1,507/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": 72487.0, "price_incl_doc": 72487.0, "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": 1506.57, "amount_financed": 77017.44, "sales_tax": 4530.44, "total_of_payments": 90394.44, "finance_charge": 13377.0, "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. $1,507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $72,487, before any dealer documentation fee. Amount financed $77,017, including $4,530 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $90,394. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 1313, "unit": "per_month", "display": "$1,313/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": 72487.0, "price_incl_doc": 72487.0, "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": 1312.7, "amount_financed": 77017.44, "sales_tax": 4530.44, "total_of_payments": 94514.47, "finance_charge": 17497.03, "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. $1,313 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $72,487, before any dealer documentation fee. Amount financed $77,017, including $4,530 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $94,514. 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"}], "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": 297}}, {"vin": "1V2HN2CA1TC584415", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43926.0, "msrp": 48697.0, "sale_price": 43926.0, "currency": "USD", "mileage": 9, "exterior_color": "Pure Gray", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4634", "stock_status": "Available", 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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 $4,771. This offer applies to Stock #W4634, VIN 1V2HN2CA1TC584415. 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: $48,697. Advertised price: $43,926. Savings: $4,771, 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": "$48,697"}, {"label": "Advertised price", "value": "$43,926"}, {"label": "Savings", "value": "$4,771, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,771", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA1TC584415_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43926.0, "price_incl_doc": 43926.0, "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": 891.26, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 53475.73, "finance_charge": 6804.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4634, VIN 1V2HN2CA1TC584415. $891 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,476. 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_1V2HN2CA1TC584415_finance_72", "type": "finance_72", "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": 43926.0, "price_incl_doc": 43926.0, "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": 773.26, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 55674.67, "finance_charge": 9003.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4634, VIN 1V2HN2CA1TC584415. $773 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC584415_finance_84", "type": "finance_84", "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": 43926.0, "price_incl_doc": 43926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.82, "amount_financed": 46671.38, "sales_tax": 2745.38, "total_of_payments": 58196.69, "finance_charge": 11525.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4634, VIN 1V2HN2CA1TC584415. $693 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,926, before any dealer documentation fee. Amount financed $46,671, including $2,745 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,197. 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_1V2HN2CA1TC584415_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": 48697.0, "selling_price": 43926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.46, "net_cap_cost": 44601.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.46, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.46}, "total_of_payments": 19584, "total_of_payments_unrounded": 19600.56}, "disclosure": "Estimated lease payment for stock #W4634, VIN 1V2HN2CA1TC584415. $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 $48,697. Lease selling price $43,926. Net capitalized cost $44,601. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA1TC584415_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": 48697.0, "selling_price": 43926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.17, "net_cap_cost": 41602.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.17, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.17}, "total_of_payments": 16236, "total_of_payments_unrounded": 16242.12}, "disclosure": "Estimated lease payment for stock #W4634, VIN 1V2HN2CA1TC584415. $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 $48,697. Lease selling price $43,926. Net capitalized cost $41,602. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 379}}, {"vin": "3VVUW7RM5TM144922", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 46416.0, "msrp": 46416.0, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Avocado Green w/Deep Black Roof", "interior_color": null, "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": 29, "range_miles": null, "battery_kwh": null, "stock_number": "VD262305", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/8a424e70c2904a96a6c3303432f8460a.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/8a424e70c2904a96a6c3303432f8460a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48a0d8f25f55408a978ead22366f9efd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/850b3885508c4514b2a0228d8ec9655c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d57766ae9f945049e1ecd020de3255e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8235c4cf3dd345ba987ba5f0d2e97bfc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b987e6a3a414faaac70bac00378147e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d894f99959f140d8bc787eb7c6341a99.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SEL R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46416.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm5tm144922/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm5tm144922/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM5TM144922.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM5TM144922.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM5TM144922.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm5tm144922/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262305, VIN 3VVUW7RM5TM144922. Advertised price: $46,416. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$46,416"}], "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46416.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM5TM144922_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 942, "unit": "per_month", "display": "$942/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46416.0, "price_incl_doc": 46416.0, "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": 941.78, "amount_financed": 49317.0, "sales_tax": 2901.0, "total_of_payments": 56507.06, "finance_charge": 7190.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262305, VIN 3VVUW7RM5TM144922. $942 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,416, before any dealer documentation fee. Amount financed $49,317, including $2,901 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,507. 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_3VVUW7RM5TM144922_finance_72", "type": "finance_72", "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": 46416.0, "price_incl_doc": 46416.0, "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": 817.09, "amount_financed": 49317.0, "sales_tax": 2901.0, "total_of_payments": 58830.65, "finance_charge": 9513.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262305, VIN 3VVUW7RM5TM144922. $817 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,416, before any dealer documentation fee. Amount financed $49,317, including $2,901 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,831. 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_3VVUW7RM5TM144922_finance_84", "type": "finance_84", "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": 46416.0, "price_incl_doc": 46416.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 732.09, "amount_financed": 49317.0, "sales_tax": 2901.0, "total_of_payments": 61495.64, "finance_charge": 12178.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262305, VIN 3VVUW7RM5TM144922. $732 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,416, before any dealer documentation fee. Amount financed $49,317, including $2,901 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,496. 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"}, {"offer_id": "of_3VVUW7RM5TM144922_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": 46416.0, "selling_price": 46416.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 661.41, "net_cap_cost": 47091.0, "residual_value": 28777.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 661.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 821.41}, "total_of_payments": 23796, "total_of_payments_unrounded": 23810.76}, "disclosure": "Estimated lease payment for stock #VD262305, VIN 3VVUW7RM5TM144922. $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 $46,416. Lease selling price $46,416. Net capitalized cost $47,091. Residual value $28,778, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVUW7RM5TM144922_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46416.0, "selling_price": 46416.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 568.11, "net_cap_cost": 44092.0, "residual_value": 28777.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 568.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3727.11}, "total_of_payments": 20448, "total_of_payments_unrounded": 20451.96}, "disclosure": "Estimated lease payment for stock #VD262305, VIN 3VVUW7RM5TM144922. $568 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,727, made up of $568 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,416. Lease selling price $46,416. Net capitalized cost $44,092. Residual value $28,778, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,448. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 406}}, {"vin": "JA4ARUAU5RU002538", "title": "2024 Mitsubishi Outlander Sport S", "year": 2024, "make": "Mitsubishi", "model": "Outlander Sport", "trim": "S", "decoded_trim": "S, ES, LE, SE, Ralliart, Trail Edition", "condition": "used", "price": 19389.0, "msrp": 19389.0, "sale_price": 19275.0, "currency": "USD", "mileage": 46529, "exterior_color": "Red Diamond", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/ja4aruau5ru002538/2024-mitsubishi-outlander-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/JA4ARUAU5RU002538.html", "json_url": "https://ai.castlevwdownersgrove.com/v/JA4ARUAU5RU002538.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/JA4ARUAU5RU002538.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/ja4aruau5ru002538/2024-mitsubishi-outlander-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19389.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JA4ARUAU5RU002538_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": 19389.0, "price_incl_doc": 19389.0, "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": 483.72, "amount_financed": 20600.81, "sales_tax": 1211.81, "total_of_payments": 23218.38, "finance_charge": 2617.57, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1018, VIN JA4ARUAU5RU002538. $484 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,389, before any dealer documentation fee. Amount financed $20,601, including $1,212 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,218. 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_JA4ARUAU5RU002538_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": 19389.0, "price_incl_doc": 19389.0, "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": 402.98, "amount_financed": 20600.81, "sales_tax": 1211.81, "total_of_payments": 24178.92, "finance_charge": 3578.11, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1018, VIN JA4ARUAU5RU002538. $403 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,389, before any dealer documentation fee. Amount financed $20,601, including $1,212 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,179. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JA4ARUAU5RU002538_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 351, "unit": "per_month", "display": "$351/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_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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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm075634/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262098, VIN 3VVMR7RM6TM075634. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM075634_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262098, VIN 3VVMR7RM6TM075634. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM075634_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262098, VIN 3VVMR7RM6TM075634. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM6TM075634_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262098, VIN 3VVMR7RM6TM075634. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM075634_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262098, VIN 3VVMR7RM6TM075634. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM6TM075634_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262098, VIN 3VVMR7RM6TM075634. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38381.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm077421/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm077421/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RMXTM077421.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RMXTM077421.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RMXTM077421.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm077421/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262100, VIN 3VVMR7RMXTM077421. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RMXTM077421_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262100, VIN 3VVMR7RMXTM077421. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM077421_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262100, VIN 3VVMR7RMXTM077421. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RMXTM077421_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262100, VIN 3VVMR7RMXTM077421. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM077421_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262100, VIN 3VVMR7RMXTM077421. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RMXTM077421_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262100, VIN 3VVMR7RMXTM077421. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VVVC7B24TM088803", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 31851.0, "msrp": 34641.0, "sale_price": 31851.0, "currency": "USD", "mileage": null, "exterior_color": "Pyrite Silver Metallic", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "VD262307", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/8429379e853a4395900b207b812bf193.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/8429379e853a4395900b207b812bf193.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/51db637c9f354e91ab2d7e1f27d75d4d.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/51f00c8f1ae14c8aa08d433331be2ba7.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/c83497f7248541258d4afa2ac5c981fe.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/4fe46a2c3f294bae95427ec1b1a6af19.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/b92382da35974440bba855e457e891f9.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/c93dae33e8314555bb4a879058f52c1b.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34641.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm088803/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm088803/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B24TM088803.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B24TM088803.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B24TM088803.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm088803/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262307, VIN 3VVVC7B24TM088803. 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: $34,641. Advertised price: $31,851. 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": "$34,641"}, {"label": "Advertised price", "value": "$31,851"}, {"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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31851.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B24TM088803_finance_60", "type": "finance_60", "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": 31851.0, "price_incl_doc": 31851.0, "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": 646.26, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 38775.57, "finance_charge": 4933.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262307, VIN 3VVVC7B24TM088803. $646 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,776. 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"}, {"offer_id": "of_3VVVC7B24TM088803_finance_72", "type": "finance_72", "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": 31851.0, "price_incl_doc": 31851.0, "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": 560.69, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 40370.03, "finance_charge": 6528.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262307, VIN 3VVVC7B24TM088803. $561 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B24TM088803_finance_84", "type": "finance_84", "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": 31851.0, "price_incl_doc": 31851.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.37, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 42198.76, "finance_charge": 8357.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262307, VIN 3VVVC7B24TM088803. $502 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,199. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B24TM088803_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 412, "unit": "per_month", "display": "$412/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 412.15, "net_cap_cost": 32526.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 572.15}, "total_of_payments": 14832, "total_of_payments_unrounded": 14837.4}, "disclosure": "Estimated lease payment for stock #VD262307, VIN 3VVVC7B24TM088803. $412 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $572, made up of $412 first payment, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $32,526. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,832. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B24TM088803_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 318.86, "net_cap_cost": 29527.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 318.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3477.86}, "total_of_payments": 11484, "total_of_payments_unrounded": 11478.96}, "disclosure": "Estimated lease payment for stock #VD262307, VIN 3VVVC7B24TM088803. $319 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,478, made up of $319 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $29,527. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,484. 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"}], "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": 365}}, {"vin": "1C4HJXEN1LW272507", "title": "2020 Jeep Wrangler Unlimited Sahara", "year": 2020, "make": "Jeep", "model": "Wrangler Unlimited", "trim": "Sahara", "decoded_trim": "Unlimited Sahara", "condition": "used", "price": 22773.0, "msrp": 22773.0, "sale_price": 22977.0, "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, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 21, "mpg_hwy": 22, "range_miles": null, "battery_kwh": null, "stock_number": "MD252226A", "stock_status": "Available", "availability": "In 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15840.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 15840.0, "price_incl_doc": 15840.0, "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": 395.18, "amount_financed": 16830.0, "sales_tax": 990.0, "total_of_payments": 18968.44, "finance_charge": 2138.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0869A, VIN KNDEUCAA7M7197118. $395 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,840, before any dealer documentation fee. Amount financed $16,830, including $990 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $18,968. 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": 15840.0, "price_incl_doc": 15840.0, "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": 329.22, "amount_financed": 16830.0, "sales_tax": 990.0, "total_of_payments": 19753.17, "finance_charge": 2923.17, "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. $329 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,840, before any dealer documentation fee. Amount financed $16,830, including $990 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,753. 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_KNDEUCAA7M7197118_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 287, "unit": "per_month", "display": "$287/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15840.0, "price_incl_doc": 15840.0, "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": 286.85, "amount_financed": 16830.0, "sales_tax": 990.0, "total_of_payments": 20653.49, "finance_charge": 3823.49, "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. $287 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,840, before any dealer documentation fee. Amount financed $16,830, including $990 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,653. 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"}], "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51251.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 51251.0, "price_incl_doc": 51251.0, "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": 1278.61, "amount_financed": 54454.19, "sales_tax": 3203.19, "total_of_payments": 61373.21, "finance_charge": 6919.02, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262663AA, VIN JTEVB5BR5S5003468. $1,279 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $51,251, before any dealer documentation fee. Amount financed $54,454, including $3,203 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $61,373. 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_JTEVB5BR5S5003468_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1065, "unit": "per_month", "display": "$1,065/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51251.0, "price_incl_doc": 51251.0, "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": 1065.2, "amount_financed": 54454.19, "sales_tax": 3203.19, "total_of_payments": 63912.22, "finance_charge": 9458.03, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262663AA, VIN JTEVB5BR5S5003468. $1,065 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $51,251, before any dealer documentation fee. Amount financed $54,454, including $3,203 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $63,912. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTEVB5BR5S5003468_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 928, "unit": "per_month", "display": "$928/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51251.0, "price_incl_doc": 51251.0, "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": 928.13, "amount_financed": 54454.19, "sales_tax": 3203.19, "total_of_payments": 66825.24, "finance_charge": 12371.05, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262663AA, VIN JTEVB5BR5S5003468. $928 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $51,251, before any dealer documentation fee. Amount financed $54,454, including $3,203 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $66,825. 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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 6777.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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_1N4BL3AP7DN427199_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 141, "unit": "per_month", "display": "$141/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 6777.0, "price_incl_doc": 6777.0, "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": 140.85, "amount_financed": 7200.56, "sales_tax": 423.56, "total_of_payments": 8451.21, "finance_charge": 1250.65, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0798A, VIN 1N4BL3AP7DN427199. $141 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $6,777, before any dealer documentation fee. Amount financed $7,201, including $424 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $8,451. 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 #W4571, VIN 1V2KN2CA2TC580413. Advertised price: $50,888. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$50,888"}], "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": "2026-07-26T16:50:31Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50888.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA2TC580413_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1033, "unit": "per_month", "display": "$1,033/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50888.0, "price_incl_doc": 50888.0, "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": 1032.52, "amount_financed": 54068.5, "sales_tax": 3180.5, "total_of_payments": 61951.3, "finance_charge": 7882.8, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4571, VIN 1V2KN2CA2TC580413. $1,033 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,888, before any dealer documentation fee. Amount financed $54,068, including $3,180 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,951. 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_1V2KN2CA2TC580413_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 896, "unit": "per_month", "display": "$896/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50888.0, "price_incl_doc": 50888.0, "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": 895.82, "amount_financed": 54068.5, "sales_tax": 3180.5, "total_of_payments": 64498.75, "finance_charge": 10430.25, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4571, VIN 1V2KN2CA2TC580413. $896 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,888, before any dealer documentation fee. Amount financed $54,068, including $3,180 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,499. 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_1V2KN2CA2TC580413_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 803, "unit": "per_month", "display": "$803/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50888.0, "price_incl_doc": 50888.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 802.63, "amount_financed": 54068.5, "sales_tax": 3180.5, "total_of_payments": 67420.5, "finance_charge": 13352.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4571, VIN 1V2KN2CA2TC580413. $803 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,888, before any dealer documentation fee. Amount financed $54,068, including $3,180 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,420. 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_1V2KN2CA2TC580413_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50888.0, "selling_price": 50888.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 723.11, "net_cap_cost": 51563.0, "residual_value": 31550.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 723.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 883.11}, "total_of_payments": 26028, "total_of_payments_unrounded": 26031.96}, "disclosure": "Estimated lease payment for stock #W4571, VIN 1V2KN2CA2TC580413. $723 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $883, made up of $723 first payment, $60 title, $100 registration. MSRP $50,888. Lease selling price $50,888. Net capitalized cost $51,563. Residual value $31,551, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,028. 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_1V2KN2CA2TC580413_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50888.0, "selling_price": 50888.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 629.82, "net_cap_cost": 48564.0, "residual_value": 31550.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 629.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3788.82}, "total_of_payments": 22680, "total_of_payments_unrounded": 22673.52}, "disclosure": "Estimated lease payment for stock #W4571, VIN 1V2KN2CA2TC580413. $630 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,789, made up of $630 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,888. 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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 #W4668, VIN 1V2CN2CAXTC577988. Advertised price: $51,083. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$51,083"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51083.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CAXTC577988_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1036, "unit": "per_month", "display": "$1,036/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "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": 1036.48, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 62188.7, "finance_charge": 7913.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4668, VIN 1V2CN2CAXTC577988. $1,036 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CAXTC577988_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 899, "unit": "per_month", "display": "$899/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "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": 899.25, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 64745.91, "finance_charge": 10470.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4668, VIN 1V2CN2CAXTC577988. $899 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CAXTC577988_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 805.7, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 67678.86, "finance_charge": 13403.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4668, VIN 1V2CN2CAXTC577988. $806 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,679. 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_1V2CN2CAXTC577988_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 51083.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 725.8, "net_cap_cost": 51758.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 725.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 885.8}, "total_of_payments": 26136, "total_of_payments_unrounded": 26128.8}, "disclosure": "Estimated lease payment for stock #W4668, VIN 1V2CN2CAXTC577988. $726 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $886, made up of $726 first payment, $60 title, $100 registration. MSRP $51,083. Lease selling price $51,083. Net capitalized cost $51,758. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,136. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CAXTC577988_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 51083.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 632.51, "net_cap_cost": 48759.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 632.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3791.51}, "total_of_payments": 22788, "total_of_payments_unrounded": 22770.36}, "disclosure": "Estimated lease payment for stock #W4668, VIN 1V2CN2CAXTC577988. $633 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,792, made up of $633 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,083. Lease selling price $51,083. Net capitalized cost $48,759. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer 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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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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. 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": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 774.52, "amount_financed": 39594.06, "sales_tax": 2329.06, "total_of_payments": 46471.07, "finance_charge": 6877.01, "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. $775 per month for 60 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 $19.56 per $1,000 financed. Total of payments $46,471. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "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": 37265.0, "price_incl_doc": 37265.0, "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": 674.85, "amount_financed": 39594.06, "sales_tax": 2329.06, "total_of_payments": 48589.15, "finance_charge": 8995.09, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261244A, VIN KMUMCDTC9NU057235. $675 per month for 72 months at 6.99% 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 $17.04 per $1,000 financed. Total of payments $48,589. 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"}], "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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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca3tc582224/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2LN2CA3TC582224.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA3TC582224.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA3TC582224.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca3tc582224/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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"], 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,266"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44266.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CA3TC582224_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 898, "unit": "per_month", "display": "$898/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44266.0, "price_incl_doc": 44266.0, "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": 898.16, "amount_financed": 47032.63, "sales_tax": 2766.63, "total_of_payments": 53889.65, "finance_charge": 6857.02, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262274, VIN 1V2LN2CA3TC582224. $898 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,266, before any dealer documentation fee. Amount financed $47,033, including $2,767 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,890. 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": 44266.0, "price_incl_doc": 44266.0, "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": 779.24, "amount_financed": 47032.63, "sales_tax": 2766.63, "total_of_payments": 56105.6, "finance_charge": 9072.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262274, VIN 1V2LN2CA3TC582224. $779 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,266, before any dealer documentation fee. Amount financed $47,033, including $2,767 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,106. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA3TC582224_finance_84", "type": "finance_84", "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": 44266.0, "price_incl_doc": 44266.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.18, "amount_financed": 47032.63, "sales_tax": 2766.63, "total_of_payments": 58647.15, "finance_charge": 11614.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262274, VIN 1V2LN2CA3TC582224. $698 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,266, before any dealer documentation fee. Amount financed $47,033, including $2,767 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,647. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA3TC582224_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44266.0, "selling_price": 44266.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 631.74, "net_cap_cost": 44941.0, "residual_value": 27444.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 631.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 791.74}, "total_of_payments": 22752, "total_of_payments_unrounded": 22742.64}, "disclosure": "Estimated lease payment for stock #VD262274, VIN 1V2LN2CA3TC582224. $632 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $792, made up of $632 first payment, $60 title, $100 registration. MSRP $44,266. Lease selling price $44,266. Net capitalized cost $44,941. Residual value $27,445, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,752. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA3TC582224_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44266.0, "selling_price": 44266.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 538.45, "net_cap_cost": 41942.0, "residual_value": 27444.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 538.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3697.45}, "total_of_payments": 19368, "total_of_payments_unrounded": 19384.2}, "disclosure": "Estimated lease payment for stock #VD262274, VIN 1V2LN2CA3TC582224. $538 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,697, made up of $538 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,266. Lease selling price $44,266. Net capitalized cost $41,942. Residual value $27,445, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 350}}, {"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": 25980.0, "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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"engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 25980.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbclxr0523040/2024-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbclxr0523040/2024-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/JM3KFBCLXR0523040.html", "json_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBCLXR0523040.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBCLXR0523040.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbclxr0523040/2024-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PHD1040, VIN JM3KFBCLXR0523040. Advertised price: $25,980. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$25,980"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25980.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBCLXR0523040_finance_48", "type": "finance_48", "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": 25980.0, "price_incl_doc": 25980.0, "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": 648.15, "amount_financed": 27603.75, "sales_tax": 1623.75, "total_of_payments": 31111.12, "finance_charge": 3507.37, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1040, VIN JM3KFBCLXR0523040. $648 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,980, before any dealer documentation fee. Amount financed $27,604, including $1,624 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,111. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCLXR0523040_finance_60", "type": "finance_60", "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": 25980.0, "price_incl_doc": 25980.0, "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": 539.97, "amount_financed": 27603.75, "sales_tax": 1623.75, "total_of_payments": 32398.19, "finance_charge": 4794.44, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1040, VIN JM3KFBCLXR0523040. $540 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,980, before any dealer documentation fee. Amount financed $27,604, including $1,624 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,398. 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_JM3KFBCLXR0523040_finance_72", "type": "finance_72", "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": 25980.0, "price_incl_doc": 25980.0, "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": 470.48, "amount_financed": 27603.75, "sales_tax": 1623.75, "total_of_payments": 33874.85, "finance_charge": 6271.1, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1040, VIN JM3KFBCLXR0523040. $470 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,980, before any dealer documentation fee. Amount financed $27,604, including $1,624 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,875. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm7tm080731/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM7TM080731.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM7TM080731.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM7TM080731.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm7tm080731/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262114, VIN 3VVMR7RM7TM080731. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM7TM080731_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262114, VIN 3VVMR7RM7TM080731. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM7TM080731_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262114, VIN 3VVMR7RM7TM080731. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM7TM080731_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262114, VIN 3VVMR7RM7TM080731. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM7TM080731_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262114, VIN 3VVMR7RM7TM080731. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM7TM080731_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262114, VIN 3VVMR7RM7TM080731. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. 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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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21885.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7X7BU9SM043123_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": 21885.0, "price_incl_doc": 21885.0, "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": 545.99, "amount_financed": 23252.81, "sales_tax": 1367.81, "total_of_payments": 26207.34, "finance_charge": 2954.53, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1026, VIN 3VW7X7BU9SM043123. $546 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,885, before any dealer documentation fee. Amount financed $23,253, including $1,368 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,207. 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_3VW7X7BU9SM043123_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": 21885.0, "price_incl_doc": 21885.0, "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": 454.86, "amount_financed": 23252.81, "sales_tax": 1367.81, "total_of_payments": 27291.54, "finance_charge": 4038.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1026, VIN 3VW7X7BU9SM043123. $455 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,885, before any dealer documentation fee. Amount financed $23,253, including $1,368 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,292. Offer expires 2026-07-31. Estimated for ZIP 60515. 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[], "price_history": [], "window_sticker": {"msrp": 34576.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm054795/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm054795/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B24TM054795.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B24TM054795.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B24TM054795.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm054795/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,417. This offer applies to Stock #W4439, VIN 3VVVC7B24TM054795. 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: $34,576. Advertised price: $32,159. Savings: $2,417, 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": "$34,576"}, {"label": "Advertised price", "value": "$32,159"}, {"label": "Savings", "value": "$2,417, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,417", "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B24TM054795_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": 32159.0, "price_incl_doc": 32159.0, "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": 652.51, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 39150.53, "finance_charge": 4981.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4439, VIN 3VVVC7B24TM054795. $653 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,151. 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_3VVVC7B24TM054795_finance_72", "type": "finance_72", "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": 32159.0, "price_incl_doc": 32159.0, "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": 566.12, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 40760.4, "finance_charge": 6591.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4439, VIN 3VVVC7B24TM054795. $566 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B24TM054795_finance_84", "type": "finance_84", "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": 32159.0, "price_incl_doc": 32159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.22, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 42606.82, "finance_charge": 8437.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4439, VIN 3VVVC7B24TM054795. $507 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,607. 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_3VVVC7B24TM054795_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.86, "net_cap_cost": 32834.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.86}, "total_of_payments": 15228, "total_of_payments_unrounded": 15222.96}, "disclosure": "Estimated lease payment for stock #W4439, VIN 3VVVC7B24TM054795. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $32,834. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B24TM054795_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.57, "net_cap_cost": 29835.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.57}, "total_of_payments": 11880, "total_of_payments_unrounded": 11864.52}, "disclosure": "Estimated lease payment for stock #W4439, VIN 3VVVC7B24TM054795. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $29,835. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 400}}, {"vin": "1V2KC2CA2TC236778", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44225.0, "msrp": 49183.0, "sale_price": 44225.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4761", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Atlas Cross Sport", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49183.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca2tc236778/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca2tc236778/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KC2CA2TC236778.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA2TC236778.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA2TC236778.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca2tc236778/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,958. This offer applies to Stock #W4761, VIN 1V2KC2CA2TC236778. 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: $49,183. Advertised price: $44,225. Savings: $4,958, 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": "$49,183"}, {"label": "Advertised price", "value": "$44,225"}, {"label": "Savings", "value": "$4,958, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,958", "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44225.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA2TC236778_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 897, "unit": "per_month", "display": "$897/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44225.0, "price_incl_doc": 44225.0, "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": 897.33, "amount_financed": 46989.06, "sales_tax": 2764.06, "total_of_payments": 53839.73, "finance_charge": 6850.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4761, VIN 1V2KC2CA2TC236778. $897 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,225, before any dealer documentation fee. Amount financed $46,989, including $2,764 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,840. 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_1V2KC2CA2TC236778_finance_72", "type": "finance_72", "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": 44225.0, "price_incl_doc": 44225.0, "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": 778.52, "amount_financed": 46989.06, "sales_tax": 2764.06, "total_of_payments": 56053.63, "finance_charge": 9064.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4761, VIN 1V2KC2CA2TC236778. $779 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,225, before any dealer documentation fee. Amount financed $46,989, including $2,764 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA2TC236778_finance_84", "type": "finance_84", "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": 44225.0, "price_incl_doc": 44225.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 697.53, "amount_financed": 46989.06, "sales_tax": 2764.06, "total_of_payments": 58592.82, "finance_charge": 11603.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4761, VIN 1V2KC2CA2TC236778. $698 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,225, before any dealer documentation fee. Amount financed $46,989, including $2,764 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,593. 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_1V2KC2CA2TC236778_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49183.0, "selling_price": 44225.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 545.35, "net_cap_cost": 44900.0, "residual_value": 30493.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.35}, "total_of_payments": 19620, "total_of_payments_unrounded": 19632.6}, "disclosure": "Estimated lease payment for stock #W4761, VIN 1V2KC2CA2TC236778. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $49,183. Lease selling price $44,225. Net capitalized cost $44,900. Residual value $30,493, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2KC2CA2TC236778_lease", "type": "lease", "label": "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": 49183.0, "selling_price": 44225.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 452.06, "net_cap_cost": 41901.0, "residual_value": 30493.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.06}, "total_of_payments": 16272, "total_of_payments_unrounded": 16274.16}, "disclosure": "Estimated lease payment for stock #W4761, VIN 1V2KC2CA2TC236778. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,183. Lease selling price $44,225. Net capitalized cost $41,901. Residual value $30,493, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 376}}, {"vin": "JM3KFBDM6P0229090", "title": "2023 Mazda CX-5 2.5 S Premium Package", "year": 2023, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Package", "decoded_trim": "Premium Package", "condition": "used", "price": 25987.0, "msrp": 25987.0, "sale_price": 26999.0, "currency": "USD", "mileage": 49810, "exterior_color": "Rhodium White Metallic", "interior_color": "Parchment", "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": "PHD1028", "stock_status": "Available", "availability": 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"https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA6TC583079.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA6TC583079.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA6TC583079.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca6tc583079/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,920. This offer applies to Stock #W4611, VIN 1V2HN2CA6TC583079. 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: $49,688. Advertised price: $44,768. Savings: $4,920, 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": "$49,688"}, {"label": "Advertised price", "value": "$44,768"}, {"label": "Savings", "value": "$4,920, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,920", "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44768.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA6TC583079_finance_60", "type": "finance_60", "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": 44768.0, "price_incl_doc": 44768.0, "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": 908.35, "amount_financed": 47566.0, "sales_tax": 2798.0, "total_of_payments": 54500.78, "finance_charge": 6934.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4611, VIN 1V2HN2CA6TC583079. $908 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,768, before any dealer documentation fee. Amount financed $47,566, including $2,798 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,501. 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_1V2HN2CA6TC583079_finance_72", "type": "finance_72", "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": 44768.0, "price_incl_doc": 44768.0, "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": 788.08, "amount_financed": 47566.0, "sales_tax": 2798.0, "total_of_payments": 56741.87, "finance_charge": 9175.87, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4611, VIN 1V2HN2CA6TC583079. $788 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,768, before any dealer documentation fee. Amount financed $47,566, including $2,798 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,742. 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_1V2HN2CA6TC583079_finance_84", "type": "finance_84", "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": 44768.0, "price_incl_doc": 44768.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.1, "amount_financed": 47566.0, "sales_tax": 2798.0, "total_of_payments": 59312.24, "finance_charge": 11746.24, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4611, VIN 1V2HN2CA6TC583079. $706 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,768, before any dealer documentation fee. Amount financed $47,566, including $2,798 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,312. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA6TC583079_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49688.0, "selling_price": 44768.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 553.5, "net_cap_cost": 45443.0, "residual_value": 30806.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 553.5, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 713.5}, "total_of_payments": 19944, "total_of_payments_unrounded": 19926.0}, "disclosure": "Estimated lease payment for stock #W4611, VIN 1V2HN2CA6TC583079. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $49,688. Lease selling price $44,768. Net capitalized cost $45,443. Residual value $30,807, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA6TC583079_lease", "type": "lease", "label": "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": 49688.0, "selling_price": 44768.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.21, "net_cap_cost": 42444.0, "residual_value": 30806.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.21}, "total_of_payments": 16560, "total_of_payments_unrounded": 16567.56}, "disclosure": "Estimated lease payment for stock #W4611, VIN 1V2HN2CA6TC583079. $460 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,619, made up of $460 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,688. Lease selling price $44,768. Net capitalized cost $42,444. Residual value $30,807, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46552.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 46552.0, "price_incl_doc": 46552.0, "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": 1161.38, "amount_financed": 49461.5, "sales_tax": 2909.5, "total_of_payments": 55746.14, "finance_charge": 6284.64, "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. $1,161 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,552, before any dealer documentation fee. Amount financed $49,462, including $2,910 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $55,746. 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": 46552.0, "price_incl_doc": 46552.0, "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": 967.54, "amount_financed": 49461.5, "sales_tax": 2909.5, "total_of_payments": 58052.36, "finance_charge": 8590.86, "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. $968 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,552, before any dealer documentation fee. Amount financed $49,462, including $2,910 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,052. 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": 49598.0, "price_incl_doc": 49598.0, "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": 1006.35, "amount_financed": 52697.88, "sales_tax": 3099.88, "total_of_payments": 60380.85, "finance_charge": 7682.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4680, VIN 1V2KN2CAXTC588646. $1,006 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,598, before any dealer documentation fee. Amount financed $52,698, including $3,100 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,381. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC588646_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 873, "unit": "per_month", "display": "$873/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49598.0, "price_incl_doc": 49598.0, "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": 873.11, "amount_financed": 52697.88, "sales_tax": 3099.88, "total_of_payments": 62863.73, "finance_charge": 10165.85, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4680, VIN 1V2KN2CAXTC588646. $873 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,598, before any dealer documentation fee. Amount financed $52,698, including $3,100 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $62,864. 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_1V2KN2CAXTC588646_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49598.0, "price_incl_doc": 49598.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 782.28, "amount_financed": 52697.88, "sales_tax": 3099.88, "total_of_payments": 65711.41, "finance_charge": 13013.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4680, VIN 1V2KN2CAXTC588646. $782 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,598, before any dealer documentation fee. Amount financed $52,698, including $3,100 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $65,711. 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_1V2KN2CAXTC588646_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": 49598.0, "selling_price": 49598.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 705.31, "net_cap_cost": 50273.0, "residual_value": 30750.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 705.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 865.31}, "total_of_payments": 25380, "total_of_payments_unrounded": 25391.16}, "disclosure": "Estimated lease payment for stock #W4680, VIN 1V2KN2CAXTC588646. $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 $49,598. Lease selling price $49,598. Net capitalized cost $50,273. Residual value $30,751, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CAXTC588646_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": 49598.0, "selling_price": 49598.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 612.02, "net_cap_cost": 47274.0, "residual_value": 30750.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 612.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3771.02}, "total_of_payments": 22032, "total_of_payments_unrounded": 22032.72}, "disclosure": "Estimated lease payment for stock #W4680, VIN 1V2KN2CAXTC588646. $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 $49,598. Lease selling price $49,598. Net capitalized cost $47,274. Residual value $30,751, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 478}}, {"vin": "KM8HF3AB4TU365115", "title": "2026 Hyundai Kona SEL Sport", "year": 2026, "make": "Hyundai", "model": "Kona", "trim": "SEL Sport", "decoded_trim": "SEL Sport", "condition": "used", "price": 27153.0, "msrp": 27153.0, "sale_price": 27891.0, "currency": "USD", "mileage": 1000, "exterior_color": "Cyber Gray Metallic", "interior_color": "Black", "drivetrain": "FWD", "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": 28, "mpg_hwy": 35, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260341", "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/2000157/2065512/0x0/66b25caf09f24c58869a70020d33f15c.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/66b25caf09f24c58869a70020d33f15c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e91c447c79b4c7f84565694c2ce27f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be3f1276f2a340bdb7711289f9cd597e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/22b1ba450933437cbfe5575afffd0360.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/082ff42f8d3848e6bb7c160920256bb3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e392cc4651784c4ca0e6ff5d34067d2f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86c95fc873af4b3987a575b2884a9eb7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9e84aa6e152145c98251893fec95de1f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e19ba99d3aad4b198da5f405fc78ab5c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9e1d9499ba6d46a8801f221c86545a3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/39e4743fa4634af6a0387076b1d96dc9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea2cbbccba074dd9af53d94581e27895.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00f6add035294852a4a5c1dae5cf084f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f35f7665284c476baf486a3e1ba443ed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d6d4763f0c44dc89b941a1254558a38.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e988eded5d8b428a83ba16543fd6557d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7523a288e491406e94b9d8b6673e13b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/842ce454c5ec42d8829eee79d48e32ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11874c924a3145eeb3b05b644c622116.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ad6f069478849d9ba852d765fdd3f28.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/43ec704439a2462499c544ce96c13f50.jpg"], "vin_decode": {"make": "Hyundai", "model": "Kona", "year": 2026, "trim": "SEL Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27153.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/KM8HF3AB4TU365115.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8hf3ab4tu365115/2026-hyundai-kona-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8hf3ab4tu365115/2026-hyundai-kona-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KM8HF3AB4TU365115.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KM8HF3AB4TU365115.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KM8HF3AB4TU365115.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8hf3ab4tu365115/2026-hyundai-kona-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #LHD260341, VIN KM8HF3AB4TU365115. Advertised price: $27,153. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$27,153"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27153.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 27153.0, "price_incl_doc": 27153.0, "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": 677.41, "amount_financed": 28850.06, "sales_tax": 1697.06, "total_of_payments": 32515.79, "finance_charge": 3665.73, "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. $677 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,153, before any dealer documentation fee. Amount financed $28,850, including $1,697 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,516. 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_KM8HF3AB4TU365115_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": 27153.0, "price_incl_doc": 27153.0, "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": 564.35, "amount_financed": 28850.06, "sales_tax": 1697.06, "total_of_payments": 33860.97, "finance_charge": 5010.91, "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. $564 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,153, before any dealer documentation fee. Amount financed $28,850, including $1,697 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,861. 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_KM8HF3AB4TU365115_finance_72", "type": "finance_72", "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": 27153.0, "price_incl_doc": 27153.0, "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": 491.73, "amount_financed": 28850.06, "sales_tax": 1697.06, "total_of_payments": 35404.3, "finance_charge": 6554.24, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260341, VIN KM8HF3AB4TU365115. $492 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,153, before any dealer documentation fee. Amount financed $28,850, including $1,697 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,404. 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"}], "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": 369}}, {"vin": "3VVMR7RM6TM128140", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 38786.0, "msrp": 38786.0, "sale_price": 35241.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "W4685", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/cebbde515ca148728e3a51604f244ca6.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/cebbde515ca148728e3a51604f244ca6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4c96dfa89e14873846446cfcdbdc8f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/684838fd17ea4ab98c80fdfb698ecef8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5456fbe474ab47fd8f34a515cd27c2e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/488c643daaf44667931c95ebf11accf5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c9e634d70dda49b09d91e05d6b3a8ba9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b35488d472ae4f3eb6ddb305a548c485.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "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": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm128140/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm128140/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM128140.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM128140.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM128140.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm128140/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4685, VIN 3VVMR7RM6TM128140. Advertised price: $38,786. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$38,786"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38786.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM128140_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 787, "unit": "per_month", "display": "$787/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38786.0, "price_incl_doc": 38786.0, "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": 786.97, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 47218.27, "finance_charge": 6008.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4685, VIN 3VVMR7RM6TM128140. $787 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,218. 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_3VVMR7RM6TM128140_finance_72", "type": "finance_72", "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": 38786.0, "price_incl_doc": 38786.0, "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": 682.78, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 49159.9, "finance_charge": 7949.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4685, VIN 3VVMR7RM6TM128140. $683 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,160. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM128140_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38786.0, "price_incl_doc": 38786.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.75, "amount_financed": 41210.13, "sales_tax": 2424.13, "total_of_payments": 51386.81, "finance_charge": 10176.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4685, VIN 3VVMR7RM6TM128140. $612 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,786, before any dealer documentation fee. Amount financed $41,210, including $2,424 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,387. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM128140_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 38786.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 556.13, "net_cap_cost": 39461.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 716.13}, "total_of_payments": 20016, "total_of_payments_unrounded": 20020.68}, "disclosure": "Estimated lease payment for stock #W4685, VIN 3VVMR7RM6TM128140. $556 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $716, made up of $556 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $38,786. Net capitalized cost $39,461. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,016. 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"}, {"offer_id": "of_3VVMR7RM6TM128140_lease", "type": "lease", "label": "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": 38786.0, "selling_price": 38786.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 462.84, "net_cap_cost": 36462.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3621.84}, "total_of_payments": 16668, "total_of_payments_unrounded": 16662.24}, "disclosure": "Estimated lease payment for stock #W4685, VIN 3VVMR7RM6TM128140. $463 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,622, made up of $463 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $38,786. Net capitalized cost $36,462. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 536}}, {"vin": "KNDPMCAC7N7963778", "title": "2022 Kia Sportage LX", "year": 2022, "make": "Kia", "model": "Sportage", "trim": "LX", "decoded_trim": "LX, LX Value Edition Pkg", "condition": "used", "price": 17175.0, "msrp": 17175.0, "sale_price": 16994.0, "currency": "USD", "mileage": 57515, "exterior_color": "Steel Gray", "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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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30988.0, "price_incl_doc": 30988.0, "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": 773.09, "amount_financed": 32924.75, "sales_tax": 1936.75, "total_of_payments": 37108.21, "finance_charge": 4183.46, "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. $773 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,988, before any dealer documentation fee. Amount financed $32,925, including $1,937 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,108. 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_5NMJBCDEXTH651078_finance_60", "type": "finance_60", "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": 30988.0, "price_incl_doc": 30988.0, "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": 644.06, "amount_financed": 32924.75, "sales_tax": 1936.75, "total_of_payments": 38643.38, "finance_charge": 5718.63, "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. $644 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,988, before any dealer documentation fee. Amount financed $32,925, including $1,937 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,643. 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_5NMJBCDEXTH651078_finance_72", "type": "finance_72", "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": 30988.0, "price_incl_doc": 30988.0, "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": 561.18, "amount_financed": 32924.75, "sales_tax": 1936.75, "total_of_payments": 40404.69, "finance_charge": 7479.94, "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. $561 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,988, before any dealer documentation fee. Amount financed $32,925, including $1,937 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,405. 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"}], "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": "$25,445"}], "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": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25445.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GNKBHR47PS227428_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": 25445.0, "price_incl_doc": 25445.0, "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": 634.8, "amount_financed": 27035.31, "sales_tax": 1590.31, "total_of_payments": 30470.45, "finance_charge": 3435.14, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1041, VIN 3GNKBHR47PS227428. $635 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,445, before any dealer documentation fee. Amount financed $27,035, including $1,590 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,470. 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_3GNKBHR47PS227428_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": 25445.0, "price_incl_doc": 25445.0, "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": 528.85, "amount_financed": 27035.31, "sales_tax": 1590.31, "total_of_payments": 31731.02, "finance_charge": 4695.71, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1041, VIN 3GNKBHR47PS227428. $529 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,445, before any dealer documentation fee. Amount financed $27,035, including $1,590 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,731. 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_3GNKBHR47PS227428_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": 25445.0, "price_incl_doc": 25445.0, "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": 460.8, "amount_financed": 27035.31, "sales_tax": 1590.31, "total_of_payments": 33177.27, "finance_charge": 6141.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1041, VIN 3GNKBHR47PS227428. $461 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,445, before any dealer documentation fee. Amount financed $27,035, including $1,590 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,177. 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"}], "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": 426}}, {"vin": "1V2KN2CA7TC585509", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 50056.0, "msrp": 50056.0, "sale_price": 45093.0, "currency": "USD", "mileage": 8, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4658", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca7tc585509/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA7TC585509.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA7TC585509.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA7TC585509.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca7tc585509/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4658, VIN 1V2KN2CA7TC585509. Advertised price: $50,056. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$50,056"}], "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50056.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA7TC585509_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1016, "unit": "per_month", "display": "$1,016/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50056.0, "price_incl_doc": 50056.0, "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": 1015.64, "amount_financed": 53184.5, "sales_tax": 3128.5, "total_of_payments": 60938.42, "finance_charge": 7753.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4658, VIN 1V2KN2CA7TC585509. $1,016 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,056, before any dealer documentation fee. Amount financed $53,184, including $3,128 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,938. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA7TC585509_finance_72", "type": "finance_72", "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": 50056.0, "price_incl_doc": 50056.0, "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": 881.17, "amount_financed": 53184.5, "sales_tax": 3128.5, "total_of_payments": 63444.22, "finance_charge": 10259.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4658, VIN 1V2KN2CA7TC585509. $881 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,056, before any dealer documentation fee. Amount financed $53,184, including $3,128 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,444. 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_1V2KN2CA7TC585509_finance_84", "type": "finance_84", "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": 50056.0, "price_incl_doc": 50056.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 789.5, "amount_financed": 53184.5, "sales_tax": 3128.5, "total_of_payments": 66318.2, "finance_charge": 13133.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4658, VIN 1V2KN2CA7TC585509. $790 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,056, before any dealer documentation fee. Amount financed $53,184, including $3,128 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $66,318. 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_1V2KN2CA7TC585509_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": 50056.0, "selling_price": 50056.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 711.63, "net_cap_cost": 50731.0, "residual_value": 31034.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 711.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 871.63}, "total_of_payments": 25632, "total_of_payments_unrounded": 25618.68}, "disclosure": "Estimated lease payment for stock #W4658, VIN 1V2KN2CA7TC585509. $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 $50,056. Lease selling price $50,056. Net capitalized cost $50,731. Residual value $31,035, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA7TC585509_lease", "type": "lease", "label": "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": 50056.0, "selling_price": 50056.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 618.34, "net_cap_cost": 47732.0, "residual_value": 31034.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 618.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3777.34}, "total_of_payments": 22248, "total_of_payments_unrounded": 22260.24}, "disclosure": "Estimated lease payment for stock #W4658, VIN 1V2KN2CA7TC585509. $618 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,777, made up of $618 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,056. Lease selling price $50,056. Net capitalized cost $47,732. Residual value $31,035, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:32Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35597.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 35597.0, "price_incl_doc": 35597.0, "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": 888.07, "amount_financed": 37821.81, "sales_tax": 2224.81, "total_of_payments": 42627.5, "finance_charge": 4805.69, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260516A, VIN WAUV2AF24LN011599. $888 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,597, before any dealer documentation fee. Amount financed $37,822, including $2,225 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,628. 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_WAUV2AF24LN011599_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": 35597.0, "price_incl_doc": 35597.0, "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": 739.85, "amount_financed": 37821.81, "sales_tax": 2224.81, "total_of_payments": 44391.0, "finance_charge": 6569.19, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260516A, VIN WAUV2AF24LN011599. $740 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,597, before any dealer documentation fee. Amount financed $37,822, including $2,225 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,391. 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": 35597.0, "price_incl_doc": 35597.0, "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": 644.64, "amount_financed": 37821.81, "sales_tax": 2224.81, "total_of_payments": 46414.27, "finance_charge": 8592.46, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260516A, VIN WAUV2AF24LN011599. $645 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,597, before any dealer documentation fee. Amount financed $37,822, including $2,225 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,414. 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": 10499.0, "price_incl_doc": 10499.0, "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": 190.13, "amount_financed": 11155.19, "sales_tax": 656.19, "total_of_payments": 13689.46, "finance_charge": 2534.27, "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. $190 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $10,499, before any dealer documentation fee. Amount financed $11,155, including $656 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $13,689. 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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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM6TM053766_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": 33831.0, "price_incl_doc": 33831.0, "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": 595.55, "amount_financed": 35945.44, "sales_tax": 2114.44, "total_of_payments": 42879.61, "finance_charge": 6934.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262034, VIN 3VVER7RM6TM053766. $596 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,831, before any dealer documentation fee. Amount financed $35,945, including $2,114 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,880. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM6TM053766_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": 33831.0, "price_incl_doc": 33831.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.6, "amount_financed": 35945.44, "sales_tax": 2114.44, "total_of_payments": 44822.02, "finance_charge": 8876.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262034, VIN 3VVER7RM6TM053766. $534 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,831, before any dealer documentation fee. Amount financed $35,945, including $2,114 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,822. 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_3VVER7RM6TM053766_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 37586.0, "selling_price": 33831.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.77, "net_cap_cost": 34506.0, "residual_value": 23303.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.77}, "total_of_payments": 15228, "total_of_payments_unrounded": 15219.72}, "disclosure": "Estimated lease payment for stock #VD262034, VIN 3VVER7RM6TM053766. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $37,586. Lease selling price $33,831. Net capitalized cost $34,506. Residual value $23,303, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVER7RM6TM053766_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37586.0, "selling_price": 33831.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.48, "net_cap_cost": 31507.0, "residual_value": 23303.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.48}, "total_of_payments": 11844, "total_of_payments_unrounded": 11861.28}, "disclosure": "Estimated lease payment for stock #VD262034, VIN 3VVER7RM6TM053766. $329 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,488, made up of $329 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,586. Lease selling price $33,831. Net capitalized cost $31,507. Residual value $23,303, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,844. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 447}}, {"vin": "3VV2C7B2XTM077730", "title": "2026 Volkswagen Taos SE Black", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE Black", "decoded_trim": "4Motion SE Black", "condition": "new", "price": 32235.0, "msrp": 34685.0, "sale_price": 32235.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4763", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2026, "trim": "4Motion SE Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34685.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b2xtm077730/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b2xtm077730/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV2C7B2XTM077730.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV2C7B2XTM077730.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV2C7B2XTM077730.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b2xtm077730/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,450. This offer applies to Stock #W4763, VIN 3VV2C7B2XTM077730. 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: $34,685. Advertised price: $32,235. Savings: $2,450, 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": "$34,685"}, {"label": "Advertised price", "value": "$32,235"}, {"label": "Savings", "value": "$2,450, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,450", "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32235.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B2XTM077730_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": 32235.0, "price_incl_doc": 32235.0, "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": 654.05, "amount_financed": 34249.69, "sales_tax": 2014.69, "total_of_payments": 39243.05, "finance_charge": 4993.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4763, VIN 3VV2C7B2XTM077730. $654 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,235, before any dealer documentation fee. Amount financed $34,250, including $2,015 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,243. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B2XTM077730_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": 32235.0, "price_incl_doc": 32235.0, "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": 567.45, "amount_financed": 34249.69, "sales_tax": 2014.69, "total_of_payments": 40856.73, "finance_charge": 6607.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4763, VIN 3VV2C7B2XTM077730. $567 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,235, before any dealer documentation fee. Amount financed $34,250, including $2,015 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,857. 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_3VV2C7B2XTM077730_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": 32235.0, "price_incl_doc": 32235.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 508.42, "amount_financed": 34249.69, "sales_tax": 2014.69, "total_of_payments": 42707.52, "finance_charge": 8457.83, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4763, VIN 3VV2C7B2XTM077730. $508 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,235, before any dealer documentation fee. Amount financed $34,250, including $2,015 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,708. 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_3VV2C7B2XTM077730_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34685.0, "selling_price": 32235.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 423.34, "net_cap_cost": 32910.0, "residual_value": 21504.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 423.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 583.34}, "total_of_payments": 15228, "total_of_payments_unrounded": 15240.24}, "disclosure": "Estimated lease payment for stock #W4763, VIN 3VV2C7B2XTM077730. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,685. Lease selling price $32,235. Net capitalized cost $32,910. Residual value $21,505, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VV2C7B2XTM077730_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34685.0, "selling_price": 32235.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 330.05, "net_cap_cost": 29911.0, "residual_value": 21504.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 330.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3489.05}, "total_of_payments": 11880, "total_of_payments_unrounded": 11881.8}, "disclosure": "Estimated lease payment for stock #W4763, VIN 3VV2C7B2XTM077730. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,685. Lease selling price $32,235. Net capitalized cost $29,911. Residual value $21,505, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 469}}, {"vin": "1V2CN2CA0TC583461", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 45802.0, "msrp": 51482.0, "sale_price": 45802.0, "currency": "USD", "mileage": 8, "exterior_color": "Pure Gray", "interior_color": "BLACK LEATHERE", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4622", "stock_status": "Available", 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"dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca0tc583461/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA0TC583461.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA0TC583461.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA0TC583461.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca0tc583461/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,680. This offer applies to Stock #W4622, VIN 1V2CN2CA0TC583461. 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: $51,482. Advertised price: $45,802. Savings: $5,680, 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": "$51,482"}, {"label": "Advertised price", "value": "$45,802"}, {"label": "Savings", "value": "$5,680, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,680", "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45802.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA0TC583461_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": 45802.0, "price_incl_doc": 45802.0, "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": 929.33, "amount_financed": 48664.63, "sales_tax": 2862.63, "total_of_payments": 55759.58, "finance_charge": 7094.95, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4622, VIN 1V2CN2CA0TC583461. $929 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,802, before any dealer documentation fee. Amount financed $48,665, including $2,863 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA0TC583461_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45802.0, "price_incl_doc": 45802.0, "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": 806.28, "amount_financed": 48664.63, "sales_tax": 2862.63, "total_of_payments": 58052.43, "finance_charge": 9387.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4622, VIN 1V2CN2CA0TC583461. $806 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,802, before any dealer documentation fee. Amount financed $48,665, including $2,863 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,052. 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_1V2CN2CA0TC583461_finance_84", "type": "finance_84", "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": 45802.0, "price_incl_doc": 45802.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 722.41, "amount_financed": 48664.63, "sales_tax": 2862.63, "total_of_payments": 60682.17, "finance_charge": 12017.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4622, VIN 1V2CN2CA0TC583461. $722 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,802, before any dealer documentation fee. Amount financed $48,665, including $2,863 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,682. 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_1V2CN2CA0TC583461_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51482.0, "selling_price": 45802.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 554.61, "net_cap_cost": 46477.0, "residual_value": 31918.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 554.61, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 714.61}, "total_of_payments": 19980, "total_of_payments_unrounded": 19965.96}, "disclosure": "Estimated lease payment for stock #W4622, VIN 1V2CN2CA0TC583461. $555 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $715, made up of $555 first payment, $60 title, $100 registration. MSRP $51,482. Lease selling price $45,802. Net capitalized cost $46,477. Residual value $31,919, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,980. 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"}, {"offer_id": "of_1V2CN2CA0TC583461_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51482.0, "selling_price": 45802.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 461.32, "net_cap_cost": 43478.0, "residual_value": 31918.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 461.32, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3620.32}, "total_of_payments": 16596, "total_of_payments_unrounded": 16607.52}, "disclosure": "Estimated lease payment for stock #W4622, VIN 1V2CN2CA0TC583461. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,482. Lease selling price $45,802. Net capitalized cost $43,478. Residual value $31,919, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 469}}, {"vin": "KMUMCDTC3PU133020", "title": "2023 Genesis GV70 3.5T Sport", "year": 2023, "make": "Genesis", "model": "GV70", "trim": "3.5T Sport", "decoded_trim": "3.5T, 3.5T Sport Advanced, 3.5T Sport Prestige", "condition": "used", "price": 46998.0, "msrp": 46998.0, "sale_price": 46998.0, "currency": "USD", "mileage": 15396, "exterior_color": "Capri Blue", "interior_color": "Obsidian Black", "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": 19, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "GD260583A", "stock_status": 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Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmumcdtc3pu133020/2023-genesis-gv70-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KMUMCDTC3PU133020.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KMUMCDTC3PU133020.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KMUMCDTC3PU133020.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmumcdtc3pu133020/2023-genesis-gv70-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #GD260583A, VIN KMUMCDTC3PU133020. Advertised price: $46,998. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$46,998"}], "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46998.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMUMCDTC3PU133020_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": 46998.0, "price_incl_doc": 46998.0, "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": 1172.5, "amount_financed": 49935.38, "sales_tax": 2937.38, "total_of_payments": 56280.24, "finance_charge": 6344.86, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260583A, VIN KMUMCDTC3PU133020. $1,172 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,998, before any dealer documentation fee. Amount financed $49,935, including $2,937 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,280. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUMCDTC3PU133020_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 977, "unit": "per_month", "display": "$977/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46998.0, "price_incl_doc": 46998.0, "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": 976.81, "amount_financed": 49935.38, "sales_tax": 2937.38, "total_of_payments": 58608.55, "finance_charge": 8673.17, "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. $977 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,998, before any dealer documentation fee. Amount financed $49,935, including $2,937 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,609. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUMCDTC3PU133020_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": 46998.0, "price_incl_doc": 46998.0, "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": 851.11, "amount_financed": 49935.38, "sales_tax": 2937.38, "total_of_payments": 61279.84, "finance_charge": 11344.46, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260583A, VIN KMUMCDTC3PU133020. $851 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,998, before any dealer documentation fee. Amount financed $49,935, including $2,937 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,280. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 331}}, {"vin": "1V2LC2CA8TC236871", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 38583.0, "msrp": 43256.0, "sale_price": 38583.0, "currency": "USD", "mileage": 4, "exterior_color": "Opal White Pearl", "interior_color": "DARK BEIGE & BL", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4762", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Atlas Cross Sport", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 43256.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2lc2ca8tc236871/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2lc2ca8tc236871/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2LC2CA8TC236871.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LC2CA8TC236871.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LC2CA8TC236871.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2lc2ca8tc236871/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,673. This offer applies to Stock #W4762, VIN 1V2LC2CA8TC236871. 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: $43,256. Advertised price: $38,583. Savings: $4,673, 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": "$43,256"}, {"label": "Advertised price", "value": "$38,583"}, {"label": "Savings", "value": "$4,673, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,673", "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38583.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LC2CA8TC236871_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": 38583.0, "price_incl_doc": 38583.0, "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": 782.85, "amount_financed": 40994.44, "sales_tax": 2411.44, "total_of_payments": 46971.13, "finance_charge": 5976.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4762, VIN 1V2LC2CA8TC236871. $783 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,583, before any dealer documentation fee. Amount financed $40,994, including $2,411 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,971. 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_1V2LC2CA8TC236871_finance_72", "type": "finance_72", "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": 38583.0, "price_incl_doc": 38583.0, "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": 679.2, "amount_financed": 40994.44, "sales_tax": 2411.44, "total_of_payments": 48902.6, "finance_charge": 7908.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4762, VIN 1V2LC2CA8TC236871. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,583, before any dealer documentation fee. Amount financed $40,994, including $2,411 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,903. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LC2CA8TC236871_finance_84", "type": "finance_84", "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": 38583.0, "price_incl_doc": 38583.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.55, "amount_financed": 40994.44, "sales_tax": 2411.44, "total_of_payments": 51117.85, "finance_charge": 10123.41, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4762, VIN 1V2LC2CA8TC236871. $609 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,583, before any dealer documentation fee. Amount financed $40,994, including $2,411 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,118. 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_1V2LC2CA8TC236871_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 43256.0, "selling_price": 38583.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 472.44, "net_cap_cost": 39258.0, "residual_value": 26818.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 632.44}, "total_of_payments": 16992, "total_of_payments_unrounded": 17007.84}, "disclosure": "Estimated lease payment for stock #W4762, VIN 1V2LC2CA8TC236871. $472 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $632, made up of $472 first payment, $60 title, $100 registration. MSRP $43,256. Lease selling price $38,583. Net capitalized cost $39,258. Residual value $26,819, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2LC2CA8TC236871_lease", "type": "lease", "label": "Lease", "headline": {"value": 379, "unit": "per_month", "display": "$379/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43256.0, "selling_price": 38583.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 379.15, "net_cap_cost": 36259.0, "residual_value": 26818.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 379.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3538.15}, "total_of_payments": 13644, "total_of_payments_unrounded": 13649.4}, "disclosure": "Estimated lease payment for stock #W4762, VIN 1V2LC2CA8TC236871. $379 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,538, made up of $379 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,256. Lease selling price $38,583. Net capitalized cost $36,259. Residual value $26,819, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,644. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 454}}, {"vin": "WVWLE7CD0TW275486", "title": "2026 Volkswagen Golf GTI S", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 34326.0, "msrp": 36670.0, "sale_price": 34326.0, "currency": "USD", "mileage": 5, "exterior_color": "Mythos Black Metallic", "interior_color": "Titan Black/Scalepaper Plaid", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "W4760", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "S", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36670.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd0tw275486/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd0tw275486/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWLE7CD0TW275486.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD0TW275486.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD0TW275486.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd0tw275486/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 $2,344. This offer applies to Stock #W4760, VIN WVWLE7CD0TW275486. 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: $36,670. Advertised price: $34,326. Savings: $2,344, 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": "$36,670"}, {"label": "Advertised price", "value": "$34,326"}, {"label": "Savings", "value": "$2,344, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,344", "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34326.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD0TW275486_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": 34326.0, "price_incl_doc": 34326.0, "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": 696.48, "amount_financed": 36471.38, "sales_tax": 2145.38, "total_of_payments": 41788.64, "finance_charge": 5317.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4760, VIN WVWLE7CD0TW275486. $696 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,326, before any dealer documentation fee. Amount financed $36,471, including $2,145 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,789. 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"}, {"offer_id": "of_WVWLE7CD0TW275486_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": 34326.0, "price_incl_doc": 34326.0, "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": 604.26, "amount_financed": 36471.38, "sales_tax": 2145.38, "total_of_payments": 43507.0, "finance_charge": 7035.62, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4760, VIN WVWLE7CD0TW275486. $604 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,326, before any dealer documentation fee. Amount financed $36,471, including $2,145 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,507. 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_WVWLE7CD0TW275486_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": 34326.0, "price_incl_doc": 34326.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.4, "amount_financed": 36471.38, "sales_tax": 2145.38, "total_of_payments": 45477.84, "finance_charge": 9006.46, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4760, VIN WVWLE7CD0TW275486. $541 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,326, before any dealer documentation fee. Amount financed $36,471, including $2,145 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,478. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD0TW275486_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": 36670.0, "selling_price": 34326.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.02, "net_cap_cost": 35001.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.02, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 614.02}, "total_of_payments": 16344, "total_of_payments_unrounded": 16344.72}, "disclosure": "Estimated lease payment for stock #W4760, VIN WVWLE7CD0TW275486. $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 $36,670. Lease selling price $34,326. Net capitalized cost $35,001. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWLE7CD0TW275486_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": 36670.0, "selling_price": 34326.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 360.73, "net_cap_cost": 32002.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 360.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3519.73}, "total_of_payments": 12996, "total_of_payments_unrounded": 12986.28}, "disclosure": "Estimated lease payment for stock #W4760, VIN WVWLE7CD0TW275486. $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 $36,670. Lease selling price $34,326. Net capitalized cost $32,002. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 503}}, {"vin": "1V2FC2CA3TC238184", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": null, "msrp": null, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Deep Black Pearl", "interior_color": null, "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD262252", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Atlas Cross Sport", "year": 2026, "trim": "4Motion SEL Premium R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc238184/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc238184/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FC2CA3TC238184.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA3TC238184.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA3TC238184.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc238184/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": true, "issues": [], "checks": 0, "rule": "unknown", "stale": false}, "price_stale": false, "price_advertisable": false, "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 #VD262252, VIN 1V2FC2CA3TC238184. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [], "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"}, {"vin": "3VV8C7B20TM058307", "title": "2026 Volkswagen Taos S", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 28709.0, "msrp": 30976.0, "sale_price": 28709.0, "currency": "USD", "mileage": 25, "exterior_color": "Platinum Gray", "interior_color": "Gray", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4626X", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 40, "primary_image": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vv8c7b20tm058307/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV8C7B20TM058307.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV8C7B20TM058307.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV8C7B20TM058307.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv8c7b20tm058307/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,267. This offer applies to Stock #W4626X, VIN 3VV8C7B20TM058307. 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: $30,976. Advertised price: $28,709. Savings: $2,267, 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": "$30,976"}, {"label": "Advertised price", "value": "$28,709"}, {"label": "Savings", "value": "$2,267, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,267", "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28709.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV8C7B20TM058307_finance_60", "type": "finance_60", "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": 28709.0, "price_incl_doc": 28709.0, "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": 582.51, "amount_financed": 30503.31, "sales_tax": 1794.31, "total_of_payments": 34950.47, "finance_charge": 4447.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4626X, VIN 3VV8C7B20TM058307. $583 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,709, before any dealer documentation fee. Amount financed $30,503, including $1,794 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,950. 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_3VV8C7B20TM058307_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28709.0, "price_incl_doc": 28709.0, "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": 505.38, "amount_financed": 30503.31, "sales_tax": 1794.31, "total_of_payments": 36387.65, "finance_charge": 5884.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4626X, VIN 3VV8C7B20TM058307. $505 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,709, before any dealer documentation fee. Amount financed $30,503, including $1,794 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,388. 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_3VV8C7B20TM058307_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 453, "unit": "per_month", "display": "$453/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28709.0, "price_incl_doc": 28709.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 452.81, "amount_financed": 30503.31, "sales_tax": 1794.31, "total_of_payments": 38035.98, "finance_charge": 7532.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4626X, VIN 3VV8C7B20TM058307. $453 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,709, before any dealer documentation fee. Amount financed $30,503, including $1,794 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,036. 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"}, {"offer_id": "of_3VV8C7B20TM058307_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30976.0, "selling_price": 28709.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 377.86, "net_cap_cost": 29384.0, "residual_value": 19205.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 377.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 537.86}, "total_of_payments": 13608, "total_of_payments_unrounded": 13602.96}, "disclosure": "Estimated lease payment for stock #W4626X, VIN 3VV8C7B20TM058307. $378 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $538, made up of $378 first payment, $60 title, $100 registration. MSRP $30,976. Lease selling price $28,709. Net capitalized cost $29,384. Residual value $19,205, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,608. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV8C7B20TM058307_lease", "type": "lease", "label": "Lease", "headline": {"value": 285, "unit": "per_month", "display": "$285/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30976.0, "selling_price": 28709.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 284.57, "net_cap_cost": 26385.0, "residual_value": 19205.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 284.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3443.57}, "total_of_payments": 10260, "total_of_payments_unrounded": 10244.52}, "disclosure": "Estimated lease payment for stock #W4626X, VIN 3VV8C7B20TM058307. $285 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,444, made up of $285 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $30,976. Lease selling price $28,709. Net capitalized cost $26,385. Residual value $19,205, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,260. 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"}], "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": 496}}, {"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": 17977.0, "msrp": 17977.0, "sale_price": 17977.0, "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, "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": "MD262974A", "stock_status": "Available", "availability": "In Stock", 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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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_1V2KN2CA5TC577425_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 912, "unit": "per_month", "display": "$912/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 912.16, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 54729.65, "finance_charge": 6963.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4558, VIN 1V2KN2CA5TC577425. $912 per month for 60 months at 5.49% 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 $19.10 per $1,000 financed. Total of payments $54,730. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC577425_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 791, "unit": "per_month", "display": "$791/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 791.39, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 56980.15, "finance_charge": 9214.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4558, VIN 1V2KN2CA5TC577425. $791 per month for 72 months at 5.99% 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 $16.57 per $1,000 financed. Total of payments $56,980. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC577425_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 #W4558, VIN 1V2KN2CA5TC577425. $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_1V2KN2CA5TC577425_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49993.0, "selling_price": 44956.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 554.07, "net_cap_cost": 45631.0, "residual_value": 30995.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 554.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 714.07}, "total_of_payments": 19944, "total_of_payments_unrounded": 19946.52}, "disclosure": "Estimated lease payment for stock #W4558, VIN 1V2KN2CA5TC577425. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $49,993. Lease selling price $44,956. Net capitalized cost $45,631. Residual value $30,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC577425_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49993.0, "selling_price": 44956.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.78, "net_cap_cost": 42632.0, "residual_value": 30995.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.78}, "total_of_payments": 16596, "total_of_payments_unrounded": 16588.08}, "disclosure": "Estimated lease payment for stock #W4558, VIN 1V2KN2CA5TC577425. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,993. Lease selling price $44,956. Net capitalized cost $42,632. Residual value $30,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 500}}, {"vin": "WA1LCBF78PD021082", "title": "2023 Audi Q7 Premium Plus", "year": 2023, "make": "Audi", "model": "Q7", "trim": "Premium Plus", "decoded_trim": "quattro Premium Plus", "condition": "used", "price": 34977.0, "msrp": 34977.0, "sale_price": 34977.0, "currency": "USD", "mileage": 45002, "exterior_color": "Blue Metallic", "interior_color": "Brown", "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": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0549", "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/5/2023AUS01_640/2023AUS010007_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023AUS01_640/2023AUS010007_640_01.jpg"], "vin_decode": {"make": "Audi", "model": "Q7", "year": 2023, "trim": "quattro Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34977.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wa1lcbf78pd021082/2023-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wa1lcbf78pd021082/2023-audi-q7-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WA1LCBF78PD021082.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WA1LCBF78PD021082.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WA1LCBF78PD021082.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/wa1lcbf78pd021082/2023-audi-q7-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0549, VIN WA1LCBF78PD021082. Advertised price: $34,977. 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": "$34,977"}], "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 873, "unit": "per_month", "display": "$873/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34977.0, "price_incl_doc": 34977.0, "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": 872.61, "amount_financed": 37163.06, "sales_tax": 2186.06, "total_of_payments": 41885.05, "finance_charge": 4721.99, "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. $873 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,977, before any dealer documentation fee. Amount financed $37,163, including $2,186 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,885. 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_WA1LCBF78PD021082_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": 34977.0, "price_incl_doc": 34977.0, "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": 726.96, "amount_financed": 37163.06, "sales_tax": 2186.06, "total_of_payments": 43617.83, "finance_charge": 6454.77, "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. $727 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,977, before any dealer documentation fee. Amount financed $37,163, including $2,186 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,618. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34977.0, "price_incl_doc": 34977.0, "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": 633.41, "amount_financed": 37163.06, "sales_tax": 2186.06, "total_of_payments": 45605.87, "finance_charge": 8442.81, "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. $633 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,977, before any dealer documentation fee. Amount financed $37,163, including $2,186 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,606. 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"}], "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": 388}}, {"vin": "1GTH6MFP9B8124186", "title": "2011 GMC Canyon SLE1", "year": 2011, "make": "GMC", "model": "Canyon", "trim": "SLE1", "decoded_trim": "SLE", "condition": "used", "price": 13977.0, "msrp": 13977.0, "sale_price": 13977.0, "currency": "USD", "mileage": 115467, "exterior_color": "Onyx Black", "interior_color": "Ebony", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V8 5.3L/", "engine_displacement_l": 5.3, "engine_cylinders": 8, "transmission": "4-Speed Automatic", "mpg_city": 14, "mpg_hwy": 19, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1055", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": 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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": 37845.0, "price_incl_doc": 37845.0, "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": 786.57, "amount_financed": 40210.31, "sales_tax": 2365.31, "total_of_payments": 47194.35, "finance_charge": 6984.04, "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. $787 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,845, before any dealer documentation fee. Amount financed $40,210, including $2,365 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,194. 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": 28977.0, "price_incl_doc": 28977.0, "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": 722.92, "amount_financed": 30788.06, "sales_tax": 1811.06, "total_of_payments": 34700.03, "finance_charge": 3911.97, "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. $723 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,977, before any dealer documentation fee. Amount financed $30,788, including $1,811 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,700. 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_7MMVABBM6SN388730_finance_60", "type": "finance_60", "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": 28977.0, "price_incl_doc": 28977.0, "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": 602.26, "amount_financed": 30788.06, "sales_tax": 1811.06, "total_of_payments": 36135.57, "finance_charge": 5347.51, "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. $602 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,977, before any dealer documentation fee. Amount financed $30,788, including $1,811 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,136. 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"}, {"offer_id": "of_7MMVABBM6SN388730_finance_72", "type": "finance_72", "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": 28977.0, "price_incl_doc": 28977.0, "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": 524.76, "amount_financed": 30788.06, "sales_tax": 1811.06, "total_of_payments": 37782.58, "finance_charge": 6994.52, "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. $525 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,977, before any dealer documentation fee. Amount financed $30,788, including $1,811 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,783. 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"}], "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5yj3e1ea2pf451688/2023-tesla-model-3-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5YJ3E1EA2PF451688.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5YJ3E1EA2PF451688.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5YJ3E1EA2PF451688.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5yj3e1ea2pf451688/2023-tesla-model-3-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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": "$24,787"}], "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24787.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5YJ3E1EA2PF451688_finance_48", "type": "finance_48", "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": 24787.0, "price_incl_doc": 24787.0, "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": 618.39, "amount_financed": 26336.19, "sales_tax": 1549.19, "total_of_payments": 29682.5, "finance_charge": 3346.31, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0491A, VIN 5YJ3E1EA2PF451688. $618 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,787, before any dealer documentation fee. Amount financed $26,336, including $1,549 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,682. 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_5YJ3E1EA2PF451688_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": 24787.0, "price_incl_doc": 24787.0, "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": 515.17, "amount_financed": 26336.19, "sales_tax": 1549.19, "total_of_payments": 30910.47, "finance_charge": 4574.28, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0491A, VIN 5YJ3E1EA2PF451688. $515 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,787, before any dealer documentation fee. Amount financed $26,336, including $1,549 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,910. 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": 24787.0, "price_incl_doc": 24787.0, "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": 448.88, "amount_financed": 26336.19, "sales_tax": 1549.19, "total_of_payments": 32319.32, "finance_charge": 5983.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0491A, VIN 5YJ3E1EA2PF451688. $449 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,787, before any dealer documentation fee. Amount financed $26,336, including $1,549 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,319. 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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26989.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JTEBU5JR1G5330178_finance_48", "type": "finance_48", "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": 26989.0, "price_incl_doc": 26989.0, "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": 673.32, "amount_financed": 28675.81, "sales_tax": 1686.81, "total_of_payments": 32319.4, "finance_charge": 3643.59, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260693AA, VIN JTEBU5JR1G5330178. $673 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,989, before any dealer documentation fee. Amount financed $28,676, including $1,687 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,319. 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_JTEBU5JR1G5330178_finance_60", "type": "finance_60", "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": 26989.0, "price_incl_doc": 26989.0, "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": 560.94, "amount_financed": 28675.81, "sales_tax": 1686.81, "total_of_payments": 33656.45, "finance_charge": 4980.64, "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. $561 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,989, before any dealer documentation fee. Amount financed $28,676, including $1,687 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,656. 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_JTEBU5JR1G5330178_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": 26989.0, "price_incl_doc": 26989.0, "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": 488.76, "amount_financed": 28675.81, "sales_tax": 1686.81, "total_of_payments": 35190.46, "finance_charge": 6514.65, "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. $489 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,989, before any dealer documentation fee. Amount financed $28,676, including $1,687 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,190. 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"}], "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21477.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 21477.0, "price_incl_doc": 21477.0, "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": 535.81, "amount_financed": 22819.31, "sales_tax": 1342.31, "total_of_payments": 25718.76, "finance_charge": 2899.45, "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. $536 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,477, before any dealer documentation fee. Amount financed $22,819, including $1,342 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,719. 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_3MVDMBBM9RM664727_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21477.0, "price_incl_doc": 21477.0, "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": 446.38, "amount_financed": 22819.31, "sales_tax": 1342.31, "total_of_payments": 26782.75, "finance_charge": 3963.44, "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. $446 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,477, before any dealer documentation fee. Amount financed $22,819, including $1,342 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,783. 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_3MVDMBBM9RM664727_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 389, "unit": "per_month", "display": "$389/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21477.0, "price_incl_doc": 21477.0, "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": 388.94, "amount_financed": 22819.31, "sales_tax": 1342.31, "total_of_payments": 28003.46, "finance_charge": 5184.15, "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. $389 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,477, before any dealer documentation fee. Amount financed $22,819, including $1,342 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,003. 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_1GC4YRE7XPF116592_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1297, "unit": "per_month", "display": "$1,297/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. 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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_1GC4YRE7XPF116592_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1080, "unit": "per_month", "display": "$1,080/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51978.0, "price_incl_doc": 51978.0, "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": 1080.31, "amount_financed": 55226.63, "sales_tax": 3248.63, "total_of_payments": 64818.83, "finance_charge": 9592.2, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1050, VIN 1GC4YRE7XPF116592. $1,080 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $51,978, before any dealer documentation fee. Amount financed $55,227, including $3,249 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $64,819. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC4YRE7XPF116592_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 941, "unit": "per_month", "display": "$941/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51978.0, "price_incl_doc": 51978.0, "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": 941.29, "amount_financed": 55226.63, "sales_tax": 3248.63, "total_of_payments": 67773.17, "finance_charge": 12546.54, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1050, VIN 1GC4YRE7XPF116592. $941 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $51,978, before any dealer documentation fee. Amount financed $55,227, including $3,249 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $67,773. 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"}], "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": "2026-07-26T16:50:33Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 9855.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SHBDC4CH454826_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 246, "unit": "per_month", "display": "$246/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9855.0, "price_incl_doc": 9855.0, "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": 245.86, "amount_financed": 10470.94, "sales_tax": 615.94, "total_of_payments": 11801.39, "finance_charge": 1330.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261074XA, VIN JF2SHBDC4CH454826. $246 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $9,855, before any dealer documentation fee. Amount financed $10,471, including $616 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $11,801. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SHBDC4CH454826_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 205, "unit": "per_month", "display": "$205/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9855.0, "price_incl_doc": 9855.0, "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": 204.83, "amount_financed": 10470.94, "sales_tax": 615.94, "total_of_payments": 12289.62, "finance_charge": 1818.68, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261074XA, VIN JF2SHBDC4CH454826. $205 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $9,855, before any dealer documentation fee. Amount financed $10,471, including $616 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $12,290. 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_JM3KFBDM2K0529234_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19277.0, "price_incl_doc": 19277.0, "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": 400.65, "amount_financed": 20481.81, "sales_tax": 1204.81, "total_of_payments": 24039.25, "finance_charge": 3557.44, "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. $401 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,277, before any dealer documentation fee. Amount financed $20,482, including $1,205 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,039. 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_JM3KFBDM2K0529234_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 349, "unit": "per_month", "display": "$349/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19277.0, "price_incl_doc": 19277.0, "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": 349.1, "amount_financed": 20481.81, "sales_tax": 1204.81, "total_of_payments": 25134.92, "finance_charge": 4653.11, "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. $349 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,277, before any dealer documentation fee. Amount financed $20,482, including $1,205 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $25,135. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 23977.0, "price_incl_doc": 23977.0, "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": 498.34, "amount_financed": 25475.56, "sales_tax": 1498.56, "total_of_payments": 29900.36, "finance_charge": 4424.8, "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. $498 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,977, before any dealer documentation fee. Amount financed $25,476, including $1,499 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,900. 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": 23977.0, "price_incl_doc": 23977.0, "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": 434.21, "amount_financed": 25475.56, "sales_tax": 1498.56, "total_of_payments": 31263.17, "finance_charge": 5787.61, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262551A, VIN JM3KFBDM5M0491663. $434 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,977, before any dealer documentation fee. Amount financed $25,476, including $1,499 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,263. 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"}], "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": 26, "elapsed_ms": 252}}, {"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": 34977.0, "msrp": 34977.0, "sale_price": 34977.0, "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.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbem3s0691923/2025-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/JM3KFBEM3S0691923.html", "json_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBEM3S0691923.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBEM3S0691923.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbem3s0691923/2025-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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": "$34,977"}], "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 873, "unit": "per_month", "display": "$873/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34977.0, "price_incl_doc": 34977.0, "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": 872.61, "amount_financed": 37163.06, "sales_tax": 2186.06, "total_of_payments": 41885.05, "finance_charge": 4721.99, "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. $873 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,977, before any dealer documentation fee. Amount financed $37,163, including $2,186 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,885. 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_JM3KFBEM3S0691923_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": 34977.0, "price_incl_doc": 34977.0, "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": 726.96, "amount_financed": 37163.06, "sales_tax": 2186.06, "total_of_payments": 43617.83, "finance_charge": 6454.77, "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. $727 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,977, before any dealer documentation fee. Amount financed $37,163, including $2,186 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,618. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34977.0, "price_incl_doc": 34977.0, "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": 633.41, "amount_financed": 37163.06, "sales_tax": 2186.06, "total_of_payments": 45605.87, "finance_charge": 8442.81, "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. $633 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,977, before any dealer documentation fee. Amount financed $37,163, including $2,186 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,606. 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"}], "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_1V2HMPE81PC056888_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 443, "unit": "per_month", "display": "$443/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24477.0, "price_incl_doc": 24477.0, "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": 443.27, "amount_financed": 26006.81, "sales_tax": 1529.81, "total_of_payments": 31915.11, "finance_charge": 5908.3, "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. $443 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,477, before any dealer documentation fee. Amount financed $26,007, including $1,530 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,915. 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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24705.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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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"offers": [], "price_history": [], "window_sticker": {"msrp": 49616.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca0tc547278/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca0tc547278/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA0TC547278.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA0TC547278.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA0TC547278.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca0tc547278/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,308. This offer applies to Stock #NRVD261881, VIN 1V2KN2CA0TC547278. 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: $49,616. Advertised price: $44,308. Savings: $5,308, 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": "$49,616"}, {"label": "Advertised price", "value": "$44,308"}, {"label": "Savings", "value": "$5,308, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,308", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44308.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA0TC547278_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 899, "unit": "per_month", "display": "$899/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44308.0, "price_incl_doc": 44308.0, "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": 899.01, "amount_financed": 47077.25, "sales_tax": 2769.25, "total_of_payments": 53940.77, "finance_charge": 6863.52, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261881, VIN 1V2KN2CA0TC547278. $899 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,308, before any dealer documentation fee. Amount financed $47,077, including $2,769 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,941. 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_1V2KN2CA0TC547278_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 780, "unit": "per_month", "display": "$780/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44308.0, "price_incl_doc": 44308.0, "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": 779.98, "amount_financed": 47077.25, "sales_tax": 2769.25, "total_of_payments": 56158.83, "finance_charge": 9081.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261881, VIN 1V2KN2CA0TC547278. $780 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,308, before any dealer documentation fee. Amount financed $47,077, including $2,769 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,159. 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_1V2KN2CA0TC547278_finance_84", "type": "finance_84", "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": 44308.0, "price_incl_doc": 44308.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.84, "amount_financed": 47077.25, "sales_tax": 2769.25, "total_of_payments": 58702.79, "finance_charge": 11625.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261881, VIN 1V2KN2CA0TC547278. $699 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,308, before any dealer documentation fee. Amount financed $47,077, including $2,769 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,703. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA0TC547278_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": 49616.0, "selling_price": 44308.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 540.44, "net_cap_cost": 44983.0, "residual_value": 30761.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 540.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 700.44}, "total_of_payments": 19440, "total_of_payments_unrounded": 19455.84}, "disclosure": "Estimated lease payment for stock #NRVD261881, VIN 1V2KN2CA0TC547278. $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 $49,616. Lease selling price $44,308. Net capitalized cost $44,983. Residual value $30,762, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA0TC547278_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": 49616.0, "selling_price": 44308.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 447.15, "net_cap_cost": 41984.0, "residual_value": 30761.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 447.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3606.15}, "total_of_payments": 16092, "total_of_payments_unrounded": 16097.4}, "disclosure": "Estimated lease payment for stock #NRVD261881, VIN 1V2KN2CA0TC547278. $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 $49,616. Lease selling price $44,308. Net capitalized cost $41,984. Residual value $30,762, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 374}}, {"vin": "1V2FN2CA3TC591874", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 57198.0, "msrp": 57198.0, "sale_price": 52115.0, "currency": "USD", "mileage": 5, "exterior_color": "Silver Mist Metallic", "interior_color": "Titan Black w/Silver Underlay", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4711", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/f663f969a7774d1c846ff493be14eee6.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/f663f969a7774d1c846ff493be14eee6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30b1f189be3347618696253aaf9e637b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f7f7103d67554b9b9a5afcb2451e817c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b7624435125643a89c02d1a5b89b5f37.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e62f7e7177b6440da00d430cacd602a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/97d86f2de20d4dcb931126062ddc9dbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44979ab2e413410fbed43eb2af1128b9.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SEL Premium R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 57198.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca3tc591874/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca3tc591874/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA3TC591874.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA3TC591874.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA3TC591874.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca3tc591874/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4711, VIN 1V2FN2CA3TC591874. Advertised price: $57,198. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$57,198"}], "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57198.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA3TC591874_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1161, "unit": "per_month", "display": "$1,161/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57198.0, "price_incl_doc": 57198.0, "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": 1160.55, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 69633.13, "finance_charge": 8860.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4711, VIN 1V2FN2CA3TC591874. $1,161 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $69,633. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA3TC591874_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1007, "unit": "per_month", "display": "$1,007/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57198.0, "price_incl_doc": 57198.0, "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": 1006.9, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 72496.46, "finance_charge": 11723.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4711, VIN 1V2FN2CA3TC591874. $1,007 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $72,496. 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"}, {"offer_id": "of_1V2FN2CA3TC591874_finance_84", "type": "finance_84", "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": 57198.0, "price_incl_doc": 57198.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 902.15, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 75780.5, "finance_charge": 15007.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4711, VIN 1V2FN2CA3TC591874. $902 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $75,780. 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_1V2FN2CA3TC591874_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57198.0, "selling_price": 57198.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 810.17, "net_cap_cost": 57873.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 810.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 970.17}, "total_of_payments": 29160, "total_of_payments_unrounded": 29166.12}, "disclosure": "Estimated lease payment for stock #W4711, VIN 1V2FN2CA3TC591874. $810 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $970, made up of $810 first payment, $60 title, $100 registration. MSRP $57,198. Lease selling price $57,198. Net capitalized cost $57,873. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $29,160. 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_1V2FN2CA3TC591874_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57198.0, "selling_price": 57198.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 716.88, "net_cap_cost": 54874.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 716.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3875.88}, "total_of_payments": 25812, "total_of_payments_unrounded": 25807.68}, "disclosure": "Estimated lease payment for stock #W4711, VIN 1V2FN2CA3TC591874. $717 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,876, made up of $717 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $57,198. Net capitalized cost $54,874. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,812. 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": 32, "elapsed_ms": 359}}, {"vin": "3VVGR7RM3TM027862", "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": "new", "price": 37927.0, "msrp": 41463.0, "sale_price": 37927.0, "currency": "USD", "mileage": 9, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": 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Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm027862/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM3TM027862.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM027862.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM3TM027862.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm3tm027862/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,536. This offer applies to Stock #W4229, VIN 3VVGR7RM3TM027862. 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: $41,463. Advertised price: $37,927. Savings: $3,536, 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": "$41,463"}, {"label": "Advertised price", "value": "$37,927"}, {"label": "Savings", "value": "$3,536, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,536", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM027862_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37927.0, "price_incl_doc": 37927.0, "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": 769.54, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 46172.52, "finance_charge": 5875.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4229, VIN 3VVGR7RM3TM027862. $770 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,173. 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_3VVGR7RM3TM027862_finance_72", "type": "finance_72", "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": 37927.0, "price_incl_doc": 37927.0, "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": 667.65, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 48071.14, "finance_charge": 7773.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4229, VIN 3VVGR7RM3TM027862. $668 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM027862_finance_84", "type": "finance_84", "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": 37927.0, "price_incl_doc": 37927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.2, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 50248.73, "finance_charge": 9951.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4229, VIN 3VVGR7RM3TM027862. $598 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,249. 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_3VVGR7RM3TM027862_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.07, "net_cap_cost": 38602.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.07}, "total_of_payments": 17388, "total_of_payments_unrounded": 17390.52}, "disclosure": "Estimated lease payment for stock #W4229, VIN 3VVGR7RM3TM027862. $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 $41,463. Lease selling price $37,927. Net capitalized cost $38,602. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM3TM027862_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 389.78, "net_cap_cost": 35603.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.78}, "total_of_payments": 14040, "total_of_payments_unrounded": 14032.08}, "disclosure": "Estimated lease payment for stock #W4229, VIN 3VVGR7RM3TM027862. $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 $41,463. Lease selling price $37,927. Net capitalized cost $35,603. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b21tm061005/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV4C7B21TM061005.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B21TM061005.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B21TM061005.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b21tm061005/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,798. This offer applies to Stock #VD262199, VIN 3VV4C7B21TM061005. 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: $38,836. Advertised price: $36,038. Savings: $2,798, 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": "$38,836"}, {"label": "Advertised price", "value": "$36,038"}, {"label": "Savings", "value": "$2,798, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,798", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36038.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B21TM061005_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": 36038.0, "price_incl_doc": 36038.0, "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": 731.21, "amount_financed": 38290.38, "sales_tax": 2252.38, "total_of_payments": 43872.84, "finance_charge": 5582.46, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262199, VIN 3VV4C7B21TM061005. $731 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,038, before any dealer documentation fee. Amount financed $38,290, including $2,252 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,873. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B21TM061005_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": 36038.0, "price_incl_doc": 36038.0, "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": 634.4, "amount_financed": 38290.38, "sales_tax": 2252.38, "total_of_payments": 45676.9, "finance_charge": 7386.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262199, VIN 3VV4C7B21TM061005. $634 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,038, before any dealer documentation fee. Amount financed $38,290, including $2,252 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,677. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B21TM061005_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": 36038.0, "price_incl_doc": 36038.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.41, "amount_financed": 38290.38, "sales_tax": 2252.38, "total_of_payments": 47746.04, "finance_charge": 9455.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262199, VIN 3VV4C7B21TM061005. $568 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,038, before any dealer documentation fee. Amount financed $38,290, including $2,252 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B21TM061005_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38836.0, "selling_price": 36038.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.78, "net_cap_cost": 36713.0, "residual_value": 24078.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.78, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 629.78}, "total_of_payments": 16920, "total_of_payments_unrounded": 16912.08}, "disclosure": "Estimated lease payment for stock #VD262199, VIN 3VV4C7B21TM061005. $470 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $630, made up of $470 first payment, $60 title, $100 registration. MSRP $38,836. Lease selling price $36,038. Net capitalized cost $36,713. Residual value $24,078, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VV4C7B21TM061005_lease", "type": "lease", "label": "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": 38836.0, "selling_price": 36038.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 376.49, "net_cap_cost": 33714.0, "residual_value": 24078.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.49, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.49}, "total_of_payments": 13536, "total_of_payments_unrounded": 13553.64}, "disclosure": "Estimated lease payment for stock #VD262199, VIN 3VV4C7B21TM061005. $376 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,535, made up of $376 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,836. Lease selling price $36,038. Net capitalized cost $33,714. Residual value $24,078, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 382}}, {"vin": "3VVVC7B24TM056823", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 32159.0, "msrp": 34576.0, "sale_price": 32159.0, "currency": "USD", "mileage": 11, "exterior_color": "Pure White", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4452", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b24tm056823/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,417. This offer applies to Stock #W4452, VIN 3VVVC7B24TM056823. 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: $34,576. Advertised price: $32,159. Savings: $2,417, 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": "$34,576"}, {"label": "Advertised price", "value": "$32,159"}, {"label": "Savings", "value": "$2,417, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,417", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B24TM056823_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": 32159.0, "price_incl_doc": 32159.0, "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": 652.51, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 39150.53, "finance_charge": 4981.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4452, VIN 3VVVC7B24TM056823. $653 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,151. 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_3VVVC7B24TM056823_finance_72", "type": "finance_72", "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": 32159.0, "price_incl_doc": 32159.0, "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": 566.12, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 40760.4, "finance_charge": 6591.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4452, VIN 3VVVC7B24TM056823. $566 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B24TM056823_finance_84", "type": "finance_84", "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": 32159.0, "price_incl_doc": 32159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.22, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 42606.82, "finance_charge": 8437.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4452, VIN 3VVVC7B24TM056823. $507 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,607. 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_3VVVC7B24TM056823_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.86, "net_cap_cost": 32834.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.86}, "total_of_payments": 15228, "total_of_payments_unrounded": 15222.96}, "disclosure": "Estimated lease payment for stock #W4452, VIN 3VVVC7B24TM056823. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $32,834. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B24TM056823_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.57, "net_cap_cost": 29835.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.57}, "total_of_payments": 11880, "total_of_payments_unrounded": 11864.52}, "disclosure": "Estimated lease payment for stock #W4452, VIN 3VVVC7B24TM056823. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $29,835. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 400}}, {"vin": "3VVMR7RM6TM112696", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 5, "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, "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": "VD262091", "stock_status": "Available", "availability": "In Stock", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm112696/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM112696.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM112696.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM112696.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm112696/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD262091, VIN 3VVMR7RM6TM112696. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM112696_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262091, VIN 3VVMR7RM6TM112696. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM6TM112696_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262091, VIN 3VVMR7RM6TM112696. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM6TM112696_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262091, VIN 3VVMR7RM6TM112696. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM112696_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD262091, VIN 3VVMR7RM6TM112696. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM6TM112696_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD262091, VIN 3VVMR7RM6TM112696. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 368}}, {"vin": "1V2CN2CA3TC575905", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 45448.0, "msrp": 51083.0, "sale_price": 45448.0, "currency": "USD", "mileage": 7, "exterior_color": "Opal White Pearl", "interior_color": "Black Leatherette", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4674", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/9ad65311c9b146e0af31ea5edb12ceae.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/9ad65311c9b146e0af31ea5edb12ceae.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/1f96dfa1a276489f8cce19d642069e10.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/acb1b68132794886a3510517ca185a9c.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/053cec04e29c46c18d8486dc904dc1b9.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b1a0e61dc1b943f7900022d973f16f97.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/90834872d4c54819bdcaa51f2cd1b1ca.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/777a020af0524a26827ba090342d6b84.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion Peak Edition SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51083.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca3tc575905/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca3tc575905/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA3TC575905.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA3TC575905.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA3TC575905.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca3tc575905/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,635. This offer applies to Stock #W4674, VIN 1V2CN2CA3TC575905. 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: $51,083. Advertised price: $45,448. Savings: $5,635, 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": "$51,083"}, {"label": "Advertised price", "value": "$45,448"}, {"label": "Savings", "value": "$5,635, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,635", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45448.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA3TC575905_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 922, "unit": "per_month", "display": "$922/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45448.0, "price_incl_doc": 45448.0, "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": 922.14, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 55328.62, "finance_charge": 7040.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4674, VIN 1V2CN2CA3TC575905. $922 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,329. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA3TC575905_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": 45448.0, "price_incl_doc": 45448.0, "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": 800.05, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 57603.74, "finance_charge": 9315.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4674, VIN 1V2CN2CA3TC575905. $800 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,604. 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_1V2CN2CA3TC575905_finance_84", "type": "finance_84", "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": 45448.0, "price_incl_doc": 45448.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.82, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 60213.15, "finance_charge": 11924.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4674, VIN 1V2CN2CA3TC575905. $717 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,213. 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_1V2CN2CA3TC575905_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": 51083.0, "selling_price": 45448.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 550.51, "net_cap_cost": 46123.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 550.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 710.51}, "total_of_payments": 19836, "total_of_payments_unrounded": 19818.36}, "disclosure": "Estimated lease payment for stock #W4674, VIN 1V2CN2CA3TC575905. $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 $51,083. Lease selling price $45,448. Net capitalized cost $46,123. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA3TC575905_lease", "type": "lease", "label": "Lease", "headline": {"value": 457, "unit": "per_month", "display": "$457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 45448.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 457.21, "net_cap_cost": 43124.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 457.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3616.21}, "total_of_payments": 16452, "total_of_payments_unrounded": 16459.56}, "disclosure": "Estimated lease payment for stock #W4674, VIN 1V2CN2CA3TC575905. $457 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,616, made up of $457 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,083. Lease selling price $45,448. Net capitalized cost $43,124. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,452. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 362}}, {"vin": "3VVGR7RM1TM114451", "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": "new", "price": 37927.0, "msrp": 41463.0, "sale_price": 37927.0, "currency": "USD", "mileage": 15, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "W4607", "stock_status": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm114451/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM1TM114451.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM114451.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM114451.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm114451/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,536. This offer applies to Stock #W4607, VIN 3VVGR7RM1TM114451. 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: $41,463. Advertised price: $37,927. Savings: $3,536, 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": "$41,463"}, {"label": "Advertised price", "value": "$37,927"}, {"label": "Savings", "value": "$3,536, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,536", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM1TM114451_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37927.0, "price_incl_doc": 37927.0, "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": 769.54, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 46172.52, "finance_charge": 5875.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4607, VIN 3VVGR7RM1TM114451. $770 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,173. 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_3VVGR7RM1TM114451_finance_72", "type": "finance_72", "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": 37927.0, "price_incl_doc": 37927.0, "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": 667.65, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 48071.14, "finance_charge": 7773.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4607, VIN 3VVGR7RM1TM114451. $668 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM1TM114451_finance_84", "type": "finance_84", "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": 37927.0, "price_incl_doc": 37927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.2, "amount_financed": 40297.44, "sales_tax": 2370.44, "total_of_payments": 50248.73, "finance_charge": 9951.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4607, VIN 3VVGR7RM1TM114451. $598 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,927, before any dealer documentation fee. Amount financed $40,297, including $2,370 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,249. 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_3VVGR7RM1TM114451_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.07, "net_cap_cost": 38602.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.07}, "total_of_payments": 17388, "total_of_payments_unrounded": 17390.52}, "disclosure": "Estimated lease payment for stock #W4607, VIN 3VVGR7RM1TM114451. $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 $41,463. Lease selling price $37,927. Net capitalized cost $38,602. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM1TM114451_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": 41463.0, "selling_price": 37927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 389.78, "net_cap_cost": 35603.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.78}, "total_of_payments": 14040, "total_of_payments_unrounded": 14032.08}, "disclosure": "Estimated lease payment for stock #W4607, VIN 3VVGR7RM1TM114451. $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 $41,463. Lease selling price $37,927. Net capitalized cost $35,603. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 371}}, {"vin": "1V2KC2CA6TC225525", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43834.0, "msrp": 48778.0, "sale_price": 43834.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4488", "stock_status": 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48778.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca6tc225525/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca6tc225525/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": 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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 $4,944. This offer applies to Stock #W4488, VIN 1V2KC2CA6TC225525. 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: $48,778. Advertised price: $43,834. Savings: $4,944, 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": "$48,778"}, {"label": "Advertised price", "value": "$43,834"}, {"label": "Savings", "value": "$4,944, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,944", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43834.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA6TC225525_finance_60", "type": "finance_60", "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": 43834.0, "price_incl_doc": 43834.0, "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": 889.4, "amount_financed": 46573.63, "sales_tax": 2739.63, "total_of_payments": 53363.73, "finance_charge": 6790.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4488, VIN 1V2KC2CA6TC225525. $889 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,834, before any dealer documentation fee. Amount financed $46,574, including $2,740 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,364. 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_1V2KC2CA6TC225525_finance_72", "type": "finance_72", "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": 43834.0, "price_incl_doc": 43834.0, "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": 771.64, "amount_financed": 46573.63, "sales_tax": 2739.63, "total_of_payments": 55558.06, "finance_charge": 8984.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4488, VIN 1V2KC2CA6TC225525. $772 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,834, before any dealer documentation fee. Amount financed $46,574, including $2,740 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,558. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA6TC225525_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": 43834.0, "price_incl_doc": 43834.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 691.37, "amount_financed": 46573.63, "sales_tax": 2739.63, "total_of_payments": 58074.8, "finance_charge": 11501.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4488, VIN 1V2KC2CA6TC225525. $691 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,834, before any dealer documentation fee. Amount financed $46,574, including $2,740 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,075. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA6TC225525_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": 48778.0, "selling_price": 43834.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 540.2, "net_cap_cost": 44509.0, "residual_value": 30242.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 540.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 700.2}, "total_of_payments": 19440, "total_of_payments_unrounded": 19447.2}, "disclosure": "Estimated lease payment for stock #W4488, VIN 1V2KC2CA6TC225525. $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 $48,778. Lease selling price $43,834. Net capitalized cost $44,509. Residual value $30,242, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KC2CA6TC225525_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": 48778.0, "selling_price": 43834.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 446.91, "net_cap_cost": 41510.0, "residual_value": 30242.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 446.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3605.91}, "total_of_payments": 16092, "total_of_payments_unrounded": 16088.76}, "disclosure": "Estimated lease payment for stock #W4488, VIN 1V2KC2CA6TC225525. $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 $48,778. Lease selling price $43,834. Net capitalized cost $41,510. Residual value $30,242, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm052791/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU9TM052791.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU9TM052791.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU9TM052791.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm052791/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD262203, VIN 3VWBW7BU9TM052791. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:34Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU9TM052791_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262203, VIN 3VWBW7BU9TM052791. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU9TM052791_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262203, VIN 3VWBW7BU9TM052791. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU9TM052791_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262203, VIN 3VWBW7BU9TM052791. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU9TM052791_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD262203, VIN 3VWBW7BU9TM052791. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU9TM052791_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD262203, VIN 3VWBW7BU9TM052791. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. 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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": "$26,020"}, {"label": "Advertised price", "value": "$23,975"}, {"label": "Savings", "value": "$2,045, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,045", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW5W7BU8TM062936_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23975.0, "price_incl_doc": 23975.0, "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": 486.45, "amount_financed": 25473.44, "sales_tax": 1498.44, "total_of_payments": 29187.28, "finance_charge": 3713.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4570, VIN 3VW5W7BU8TM062936. $486 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,975, before any dealer documentation fee. Amount financed $25,473, including $1,498 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,187. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU8TM062936_finance_72", "type": "finance_72", "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": 23975.0, "price_incl_doc": 23975.0, "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": 422.05, "amount_financed": 25473.44, "sales_tax": 1498.44, "total_of_payments": 30387.47, "finance_charge": 4914.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4570, VIN 3VW5W7BU8TM062936. $422 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,975, before any dealer documentation fee. Amount financed $25,473, including $1,498 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,387. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU8TM062936_finance_84", "type": "finance_84", "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": 23975.0, "price_incl_doc": 23975.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 378.14, "amount_financed": 25473.44, "sales_tax": 1498.44, "total_of_payments": 31764.01, "finance_charge": 6290.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4570, VIN 3VW5W7BU8TM062936. $378 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $23,975, before any dealer documentation fee. Amount financed $25,473, including $1,498 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $31,764. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU8TM062936_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 316, "unit": "per_month", "display": "$316/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26020.0, "selling_price": 23975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 316.38, "net_cap_cost": 24650.0, "residual_value": 16132.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 316.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 476.38}, "total_of_payments": 11376, "total_of_payments_unrounded": 11389.68}, "disclosure": "Estimated lease payment for stock #W4570, VIN 3VW5W7BU8TM062936. $316 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $476, made up of $316 first payment, $60 title, $100 registration. MSRP $26,020. Lease selling price $23,975. Net capitalized cost $24,650. Residual value $16,132, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,376. 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_3VW5W7BU8TM062936_lease", "type": "lease", "label": "Lease", "headline": {"value": 223, "unit": "per_month", "display": "$223/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26020.0, "selling_price": 23975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 223.09, "net_cap_cost": 21651.0, "residual_value": 16132.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 223.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3382.09}, "total_of_payments": 8028, "total_of_payments_unrounded": 8031.24}, "disclosure": "Estimated lease payment for stock #W4570, VIN 3VW5W7BU8TM062936. $223 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,382, made up of $223 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,020. Lease selling price $23,975. Net capitalized cost $21,651. Residual value $16,132, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,028. 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": 399}}, {"vin": "5UXCY6C05N9J30300", "title": "2022 BMW X6 xDrive40i", "year": 2022, "make": "BMW", "model": "X6", "trim": "xDrive40i", "decoded_trim": "xDrive40i", "condition": "used", "price": 45351.0, "msrp": 45351.0, "sale_price": 45771.0, "currency": "USD", "mileage": 50425, "exterior_color": "Arctic Gray Metallic", "interior_color": "Ivory White", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-6 3.0 L/183", "engine_displacement_l": 3.0, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 21, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "GD260423XA", "stock_status": "Available", "availability": "In Stock", 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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": 45351.0, "price_incl_doc": 45351.0, "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": 1131.42, "amount_financed": 48185.44, "sales_tax": 2834.44, "total_of_payments": 54307.95, "finance_charge": 6122.51, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260423XA, VIN 5UXCY6C05N9J30300. $1,131 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $45,351, before any dealer documentation fee. Amount financed $48,185, including $2,834 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $54,308. 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": 45351.0, "price_incl_doc": 45351.0, "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": 942.58, "amount_financed": 48185.44, "sales_tax": 2834.44, "total_of_payments": 56554.67, "finance_charge": 8369.23, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260423XA, VIN 5UXCY6C05N9J30300. $943 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $45,351, before any dealer documentation fee. Amount financed $48,185, including $2,834 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $56,555. 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_5UXCY6C05N9J30300_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 821, "unit": "per_month", "display": "$821/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45351.0, "price_incl_doc": 45351.0, "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": 821.28, "amount_financed": 48185.44, "sales_tax": 2834.44, "total_of_payments": 59132.34, "finance_charge": 10946.9, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260423XA, VIN 5UXCY6C05N9J30300. $821 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $45,351, before any dealer documentation fee. Amount financed $48,185, including $2,834 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,132. 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"}], "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_3VWBW7BU9TM020746_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25117.0, "price_incl_doc": 25117.0, "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": 442.15, "amount_financed": 26686.81, "sales_tax": 1569.81, "total_of_payments": 31834.91, "finance_charge": 5148.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261598, VIN 3VWBW7BU9TM020746. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,117, before any dealer documentation fee. Amount financed $26,687, including $1,570 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,835. 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_3VWBW7BU9TM020746_finance_84", "type": "finance_84", "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": 25117.0, "price_incl_doc": 25117.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.15, "amount_financed": 26686.81, "sales_tax": 1569.81, "total_of_payments": 33277.01, "finance_charge": 6590.2, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261598, VIN 3VWBW7BU9TM020746. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,117, before any dealer documentation fee. Amount financed $26,687, including $1,570 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,277. 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_3VWBW7BU9TM020746_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27101.0, "selling_price": 25117.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 333.2, "net_cap_cost": 25792.0, "residual_value": 16802.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 333.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 493.2}, "total_of_payments": 11988, "total_of_payments_unrounded": 11995.2}, "disclosure": "Estimated lease payment for stock #VD261598, VIN 3VWBW7BU9TM020746. $333 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $493, made up of $333 first payment, $60 title, $100 registration. MSRP $27,101. Lease selling price $25,117. Net capitalized cost $25,792. Residual value $16,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU9TM020746_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27101.0, "selling_price": 25117.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 239.9, "net_cap_cost": 22793.0, "residual_value": 16802.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 239.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3398.9}, "total_of_payments": 8640, "total_of_payments_unrounded": 8636.4}, "disclosure": "Estimated lease payment for stock #VD261598, VIN 3VWBW7BU9TM020746. $240 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,399, made up of $240 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,101. Lease selling price $25,117. Net capitalized cost $22,793. Residual value $16,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,640. 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"}], "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": 405}}, {"vin": "1V2KN2CA7TC578589", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44522.0, "msrp": 49931.0, "sale_price": 44522.0, "currency": "USD", "mileage": 10, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262291", "stock_status": "Available", 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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 $5,409. This offer applies to Stock #NRVD262291, VIN 1V2KN2CA7TC578589. 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: $49,931. Advertised price: $44,522. Savings: $5,409, 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": "$49,931"}, {"label": "Advertised price", "value": "$44,522"}, {"label": "Savings", "value": "$5,409, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,409", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44522.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA7TC578589_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44522.0, "price_incl_doc": 44522.0, "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": 903.36, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 54201.3, "finance_charge": 6896.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262291, VIN 1V2KN2CA7TC578589. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA7TC578589_finance_72", "type": "finance_72", "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": 44522.0, "price_incl_doc": 44522.0, "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": 783.75, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 56430.08, "finance_charge": 9125.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262291, VIN 1V2KN2CA7TC578589. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,430. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA7TC578589_finance_84", "type": "finance_84", "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": 44522.0, "price_incl_doc": 44522.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.22, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 58986.32, "finance_charge": 11681.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262291, VIN 1V2KN2CA7TC578589. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,986. 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_1V2KN2CA7TC578589_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.64, "net_cap_cost": 45197.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.64}, "total_of_payments": 19512, "total_of_payments_unrounded": 19499.04}, "disclosure": "Estimated lease payment for stock #NRVD262291, VIN 1V2KN2CA7TC578589. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $45,197. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA7TC578589_lease", "type": "lease", "label": "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": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.35, "net_cap_cost": 42198.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.35}, "total_of_payments": 16128, "total_of_payments_unrounded": 16140.6}, "disclosure": "Estimated lease payment for stock #NRVD262291, VIN 1V2KN2CA7TC578589. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $42,198. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": "3VVYX7B24PM320534", "title": "2023 Volkswagen Taos SE", "year": 2023, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "used", "price": 22725.0, "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, "engine": "Intercooled Turbo Regular Unleaded I-4 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 25, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1001", "stock_status": "Available", "availability": "In Stock", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/3vvyx7b24pm320534/2023-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVYX7B24PM320534.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVYX7B24PM320534.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVYX7B24PM320534.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/3vvyx7b24pm320534/2023-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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: $22,725. 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": "$22,725"}], "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", "computed_offers": {"generated_at": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22725.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 22725.0, "price_incl_doc": 22725.0, "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": 566.94, "amount_financed": 24145.31, "sales_tax": 1420.31, "total_of_payments": 27213.25, "finance_charge": 3067.94, "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. $567 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,725, before any dealer documentation fee. Amount financed $24,145, including $1,420 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,213. 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_3VVYX7B24PM320534_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22725.0, "price_incl_doc": 22725.0, "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": 472.32, "amount_financed": 24145.31, "sales_tax": 1420.31, "total_of_payments": 28339.06, "finance_charge": 4193.75, "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. $472 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,725, before any dealer documentation fee. Amount financed $24,145, including $1,420 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,339. 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_3VVYX7B24PM320534_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 412, "unit": "per_month", "display": "$412/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22725.0, "price_incl_doc": 22725.0, "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": 411.54, "amount_financed": 24145.31, "sales_tax": 1420.31, "total_of_payments": 29630.71, "finance_charge": 5485.4, "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. $412 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,725, before any dealer documentation fee. Amount financed $24,145, including $1,420 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,631. 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"}], "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 $4,785. This offer applies to Stock #W4618, VIN 1V2HN2CAXTC583036. 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: $48,797. Advertised price: $44,012. Savings: $4,785, 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": "$48,797"}, {"label": "Advertised price", "value": "$44,012"}, {"label": "Savings", "value": "$4,785, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,785", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44012.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CAXTC583036_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 893, "unit": "per_month", "display": "$893/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44012.0, "price_incl_doc": 44012.0, "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": 893.01, "amount_financed": 46762.75, "sales_tax": 2750.75, "total_of_payments": 53580.42, "finance_charge": 6817.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4618, VIN 1V2HN2CAXTC583036. $893 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,012, before any dealer documentation fee. Amount financed $46,763, including $2,751 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,580. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC583036_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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44012.0, "price_incl_doc": 44012.0, "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": 774.77, "amount_financed": 46762.75, "sales_tax": 2750.75, "total_of_payments": 55783.66, "finance_charge": 9020.91, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4618, VIN 1V2HN2CAXTC583036. $775 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,012, before any dealer documentation fee. Amount financed $46,763, including $2,751 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,784. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC583036_finance_84", "type": "finance_84", "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": 44012.0, "price_incl_doc": 44012.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.17, "amount_financed": 46762.75, "sales_tax": 2750.75, "total_of_payments": 58310.63, "finance_charge": 11547.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4618, VIN 1V2HN2CAXTC583036. $694 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,012, before any dealer documentation fee. Amount financed $46,763, including $2,751 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,311. 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_1V2HN2CAXTC583036_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48797.0, "selling_price": 44012.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 545.41, "net_cap_cost": 44687.0, "residual_value": 30254.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.41}, "total_of_payments": 19620, "total_of_payments_unrounded": 19634.76}, "disclosure": "Estimated lease payment for stock #W4618, VIN 1V2HN2CAXTC583036. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $48,797. Lease selling price $44,012. Net capitalized cost $44,687. Residual value $30,254, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2HN2CAXTC583036_lease", "type": "lease", "label": "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": 48797.0, "selling_price": 44012.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 452.12, "net_cap_cost": 41688.0, "residual_value": 30254.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.12}, "total_of_payments": 16272, "total_of_payments_unrounded": 16276.32}, "disclosure": "Estimated lease payment for stock #W4618, VIN 1V2HN2CAXTC583036. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,797. Lease selling price $44,012. Net capitalized cost $41,688. Residual value $30,254, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 365}}, {"vin": "3VV5C7B24TM084766", "title": "2026 Volkswagen Taos S", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 26547.0, "msrp": 29101.0, "sale_price": 26547.0, "currency": "USD", "mileage": null, "exterior_color": "Pure White", "interior_color": "Gray", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 28, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "VD262309", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/6a38da05e6d54b2c902d0fc7a41dddff.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/6a38da05e6d54b2c902d0fc7a41dddff.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/b911d5ebea8d46f18d5d84dd4f3abd23.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/78a2035b02144f09b543f10c83766261.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/d397e66922384299ad5301f727c494d7.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/7a7d121be61340dbb6fe26c27002f460.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/fa886136a30545caaf5a1ad6dc14b47f.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/cfe0bf303419408d86f4834d4cbb225d.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2026, "trim": "S", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29101.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv5c7b24tm084766/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv5c7b24tm084766/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV5C7B24TM084766.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV5C7B24TM084766.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV5C7B24TM084766.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv5c7b24tm084766/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,554. This offer applies to Stock #VD262309, VIN 3VV5C7B24TM084766. 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: $29,101. Advertised price: $26,547. Savings: $2,554, 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": "$29,101"}, {"label": "Advertised price", "value": "$26,547"}, {"label": "Savings", "value": "$2,554, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,554", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26547.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV5C7B24TM084766_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": 26547.0, "price_incl_doc": 26547.0, "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": 538.64, "amount_financed": 28206.19, "sales_tax": 1659.19, "total_of_payments": 32318.45, "finance_charge": 4112.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262309, VIN 3VV5C7B24TM084766. $539 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,547, before any dealer documentation fee. Amount financed $28,206, including $1,659 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,318. 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_3VV5C7B24TM084766_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": 26547.0, "price_incl_doc": 26547.0, "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": 467.32, "amount_financed": 28206.19, "sales_tax": 1659.19, "total_of_payments": 33647.39, "finance_charge": 5441.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262309, VIN 3VV5C7B24TM084766. $467 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,547, before any dealer documentation fee. Amount financed $28,206, including $1,659 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,647. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV5C7B24TM084766_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": 26547.0, "price_incl_doc": 26547.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 418.71, "amount_financed": 28206.19, "sales_tax": 1659.19, "total_of_payments": 35171.6, "finance_charge": 6965.41, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262309, VIN 3VV5C7B24TM084766. $419 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,547, before any dealer documentation fee. Amount financed $28,206, including $1,659 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,172. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV5C7B24TM084766_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 343, "unit": "per_month", "display": "$343/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29101.0, "selling_price": 26547.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 343.06, "net_cap_cost": 27222.0, "residual_value": 18042.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 343.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 503.06}, "total_of_payments": 12348, "total_of_payments_unrounded": 12350.16}, "disclosure": "Estimated lease payment for stock #VD262309, VIN 3VV5C7B24TM084766. $343 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $503, made up of $343 first payment, $60 title, $100 registration. MSRP $29,101. Lease selling price $26,547. Net capitalized cost $27,222. Residual value $18,043, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,348. 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_3VV5C7B24TM084766_lease", "type": "lease", "label": "Lease", "headline": {"value": 250, "unit": "per_month", "display": "$250/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29101.0, "selling_price": 26547.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 249.77, "net_cap_cost": 24223.0, "residual_value": 18042.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 249.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3408.77}, "total_of_payments": 9000, "total_of_payments_unrounded": 8991.72}, "disclosure": "Estimated lease payment for stock #VD262309, VIN 3VV5C7B24TM084766. $250 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,409, made up of $250 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,101. Lease selling price $26,547. Net capitalized cost $24,223. Residual value $18,043, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,000. 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": [{"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": 369}}, {"vin": "1V2BN2CA5TC575528", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 47651.0, "msrp": 52581.0, "sale_price": 47651.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4540", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 52581.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca5tc575528/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca5tc575528/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA5TC575528.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA5TC575528.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA5TC575528.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca5tc575528/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,930. This offer applies to Stock #W4540, VIN 1V2BN2CA5TC575528. 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: $52,581. Advertised price: $47,651. Savings: $4,930, 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": "$52,581"}, {"label": "Advertised price", "value": "$47,651"}, {"label": "Savings", "value": "$4,930, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,930", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47651.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA5TC575528_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 967, "unit": "per_month", "display": "$967/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47651.0, "price_incl_doc": 47651.0, "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": 966.84, "amount_financed": 50629.19, "sales_tax": 2978.19, "total_of_payments": 58010.56, "finance_charge": 7381.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4540, VIN 1V2BN2CA5TC575528. $967 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,651, before any dealer documentation fee. Amount financed $50,629, including $2,978 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,011. 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_1V2BN2CA5TC575528_finance_72", "type": "finance_72", "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": 47651.0, "price_incl_doc": 47651.0, "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": 838.83, "amount_financed": 50629.19, "sales_tax": 2978.19, "total_of_payments": 60395.97, "finance_charge": 9766.78, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4540, VIN 1V2BN2CA5TC575528. $839 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,651, before any dealer documentation fee. Amount financed $50,629, including $2,978 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,396. 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_1V2BN2CA5TC575528_finance_84", "type": "finance_84", "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": 47651.0, "price_incl_doc": 47651.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 751.57, "amount_financed": 50629.19, "sales_tax": 2978.19, "total_of_payments": 63131.87, "finance_charge": 12502.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4540, VIN 1V2BN2CA5TC575528. $752 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,651, before any dealer documentation fee. Amount financed $50,629, including $2,978 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,132. 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_1V2BN2CA5TC575528_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": 52581.0, "selling_price": 47651.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 593.11, "net_cap_cost": 48326.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 593.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 753.11}, "total_of_payments": 21348, "total_of_payments_unrounded": 21351.96}, "disclosure": "Estimated lease payment for stock #W4540, VIN 1V2BN2CA5TC575528. $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 $52,581. Lease selling price $47,651. Net capitalized cost $48,326. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA5TC575528_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": 52581.0, "selling_price": 47651.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 499.81, "net_cap_cost": 45327.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 499.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3658.81}, "total_of_payments": 18000, "total_of_payments_unrounded": 17993.16}, "disclosure": "Estimated lease payment for stock #W4540, VIN 1V2BN2CA5TC575528. $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 $52,581. Lease selling price $47,651. Net capitalized cost $45,327. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": "3VW5W7BU9TM046311", "title": "2026 Volkswagen Jetta S", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 26210.0, "msrp": 26210.0, "sale_price": 24114.0, "currency": "USD", "mileage": 7, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4438", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw5w7bu9tm046311/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW5W7BU9TM046311.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW5W7BU9TM046311.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW5W7BU9TM046311.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw5w7bu9tm046311/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #W4438, VIN 3VW5W7BU9TM046311. Advertised price: $26,210. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$26,210"}], "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW5W7BU9TM046311_finance_60", "type": "finance_60", "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": 26210.0, "price_incl_doc": 26210.0, "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": 531.8, "amount_financed": 27848.13, "sales_tax": 1638.13, "total_of_payments": 31908.19, "finance_charge": 4060.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4438, VIN 3VW5W7BU9TM046311. $532 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,210, before any dealer documentation fee. Amount financed $27,848, including $1,638 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,908. 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_3VW5W7BU9TM046311_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": 26210.0, "price_incl_doc": 26210.0, "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": 461.39, "amount_financed": 27848.13, "sales_tax": 1638.13, "total_of_payments": 33220.26, "finance_charge": 5372.13, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4438, VIN 3VW5W7BU9TM046311. $461 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,210, before any dealer documentation fee. Amount financed $27,848, including $1,638 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,220. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU9TM046311_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26210.0, "price_incl_doc": 26210.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 413.39, "amount_financed": 27848.13, "sales_tax": 1638.13, "total_of_payments": 34725.12, "finance_charge": 6876.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4438, VIN 3VW5W7BU9TM046311. $413 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,210, before any dealer documentation fee. Amount financed $27,848, including $1,638 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,725. 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_3VW5W7BU9TM046311_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 383, "unit": "per_month", "display": "$383/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26210.0, "selling_price": 26210.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 382.62, "net_cap_cost": 26885.0, "residual_value": 16250.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 382.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 542.62}, "total_of_payments": 13788, "total_of_payments_unrounded": 13774.32}, "disclosure": "Estimated lease payment for stock #W4438, VIN 3VW5W7BU9TM046311. $383 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $543, made up of $383 first payment, $60 title, $100 registration. MSRP $26,210. Lease selling price $26,210. Net capitalized cost $26,885. Residual value $16,250, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW5W7BU9TM046311_lease", "type": "lease", "label": "Lease", "headline": {"value": 289, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26210.0, "selling_price": 26210.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 289.33, "net_cap_cost": 23886.0, "residual_value": 16250.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 289.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3448.33}, "total_of_payments": 10404, "total_of_payments_unrounded": 10415.88}, "disclosure": "Estimated lease payment for stock #W4438, VIN 3VW5W7BU9TM046311. $289 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,448, made up of $289 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,210. Lease selling price $26,210. Net capitalized cost $23,886. Residual value $16,250, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,404. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 347}}, {"vin": "1V2KN2CA5TC578820", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44690.0, "msrp": 49598.0, "sale_price": 44690.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "Shetland Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca5tc578820/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA5TC578820.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA5TC578820.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA5TC578820.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca5tc578820/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,908. This offer applies to Stock #W4564, VIN 1V2KN2CA5TC578820. 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: $49,598. Advertised price: $44,690. Savings: $4,908, 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": "$49,598"}, {"label": "Advertised price", "value": "$44,690"}, {"label": "Savings", "value": "$4,908, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,908", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44690.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA5TC578820_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 907, "unit": "per_month", "display": "$907/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44690.0, "price_incl_doc": 44690.0, "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": 906.76, "amount_financed": 47483.13, "sales_tax": 2793.13, "total_of_payments": 54405.83, "finance_charge": 6922.7, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4564, VIN 1V2KN2CA5TC578820. $907 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,690, before any dealer documentation fee. Amount financed $47,483, including $2,793 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,406. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC578820_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 787, "unit": "per_month", "display": "$787/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44690.0, "price_incl_doc": 44690.0, "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": 786.71, "amount_financed": 47483.13, "sales_tax": 2793.13, "total_of_payments": 56643.01, "finance_charge": 9159.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4564, VIN 1V2KN2CA5TC578820. $787 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,690, before any dealer documentation fee. Amount financed $47,483, including $2,793 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,643. 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_1V2KN2CA5TC578820_finance_84", "type": "finance_84", "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": 44690.0, "price_incl_doc": 44690.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.87, "amount_financed": 47483.13, "sales_tax": 2793.13, "total_of_payments": 59208.9, "finance_charge": 11725.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4564, VIN 1V2KN2CA5TC578820. $705 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,690, before any dealer documentation fee. Amount financed $47,483, including $2,793 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,209. 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"}, {"offer_id": "of_1V2KN2CA5TC578820_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 49598.0, "selling_price": 44690.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.63, "net_cap_cost": 45365.0, "residual_value": 30750.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 712.63}, "total_of_payments": 19908, "total_of_payments_unrounded": 19894.68}, "disclosure": "Estimated lease payment for stock #W4564, VIN 1V2KN2CA5TC578820. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $49,598. Lease selling price $44,690. Net capitalized cost $45,365. Residual value $30,751, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KN2CA5TC578820_lease", "type": "lease", "label": "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": 49598.0, "selling_price": 44690.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 459.34, "net_cap_cost": 42366.0, "residual_value": 30750.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3618.34}, "total_of_payments": 16524, "total_of_payments_unrounded": 16536.24}, "disclosure": "Estimated lease payment for stock #W4564, VIN 1V2KN2CA5TC578820. $459 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,618, made up of $459 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,598. Lease selling price $44,690. Net capitalized cost $42,366. Residual value $30,751, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 345}}, {"vin": "3VVMR7RM9TM112546", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35192.0, "msrp": 38727.0, "sale_price": 35192.0, "currency": "USD", "mileage": 8, "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, "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": "W4608", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm112546/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm112546/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM9TM112546.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM9TM112546.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM9TM112546.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm112546/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,535. This offer applies to Stock #W4608, VIN 3VVMR7RM9TM112546. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM9TM112546_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4608, VIN 3VVMR7RM9TM112546. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM112546_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4608, VIN 3VVMR7RM9TM112546. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM9TM112546_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4608, VIN 3VVMR7RM9TM112546. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM9TM112546_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4608, VIN 3VVMR7RM9TM112546. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM112546_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4608, VIN 3VVMR7RM9TM112546. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 344}}, {"vin": "1V2KN2CA9TC523576", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45337.0, "msrp": 50386.0, "sale_price": 45337.0, "currency": "USD", "mileage": 4, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261775", "stock_status": "Available", 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"offers": [], "price_history": [], "window_sticker": {"msrp": 50386.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc523576/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc523576/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA9TC523576.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC523576.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA9TC523576.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca9tc523576/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,049. This offer applies to Stock #VD261775, VIN 1V2KN2CA9TC523576. 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: $50,386. Advertised price: $45,337. Savings: $5,049, 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": "$50,386"}, {"label": "Advertised price", "value": "$45,337"}, {"label": "Savings", "value": "$5,049, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,049", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45337.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA9TC523576_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45337.0, "price_incl_doc": 45337.0, "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": 919.89, "amount_financed": 48170.56, "sales_tax": 2833.56, "total_of_payments": 55193.48, "finance_charge": 7022.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261775, VIN 1V2KN2CA9TC523576. $920 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,337, before any dealer documentation fee. Amount financed $48,171, including $2,834 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,193. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC523576_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 798, "unit": "per_month", "display": "$798/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45337.0, "price_incl_doc": 45337.0, "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": 798.1, "amount_financed": 48170.56, "sales_tax": 2833.56, "total_of_payments": 57463.05, "finance_charge": 9292.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261775, VIN 1V2KN2CA9TC523576. $798 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,337, before any dealer documentation fee. Amount financed $48,171, including $2,834 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,463. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC523576_finance_84", "type": "finance_84", "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": 45337.0, "price_incl_doc": 45337.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 715.07, "amount_financed": 48170.56, "sales_tax": 2833.56, "total_of_payments": 60066.09, "finance_charge": 11895.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261775, VIN 1V2KN2CA9TC523576. $715 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,337, before any dealer documentation fee. Amount financed $48,171, including $2,834 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,066. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC523576_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": 50386.0, "selling_price": 45337.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 559.12, "net_cap_cost": 46012.0, "residual_value": 31239.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 559.12, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 719.12}, "total_of_payments": 20124, "total_of_payments_unrounded": 20128.32}, "disclosure": "Estimated lease payment for stock #VD261775, VIN 1V2KN2CA9TC523576. $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 $50,386. Lease selling price $45,337. Net capitalized cost $46,012. Residual value $31,239, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA9TC523576_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": 50386.0, "selling_price": 45337.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 465.83, "net_cap_cost": 43013.0, "residual_value": 31239.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3624.83}, "total_of_payments": 16776, "total_of_payments_unrounded": 16769.88}, "disclosure": "Estimated lease payment for stock #VD261775, VIN 1V2KN2CA9TC523576. $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 $50,386. Lease selling price $45,337. Net capitalized cost $43,013. Residual value $31,239, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 342}}, {"vin": "1V2HN2CA4TC583971", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44170.0, "msrp": 48993.0, "sale_price": 44170.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4633", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48993.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc583971/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc583971/2026-volkswagen-atlas-sport-utility", "canonical_url": 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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 $4,823. This offer applies to Stock #W4633, VIN 1V2HN2CA4TC583971. 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: $48,993. Advertised price: $44,170. Savings: $4,823, 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": "$48,993"}, {"label": "Advertised price", "value": "$44,170"}, {"label": "Savings", "value": "$4,823, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,823", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44170.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA4TC583971_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 896, "unit": "per_month", "display": "$896/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44170.0, "price_incl_doc": 44170.0, "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": 896.21, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 53772.78, "finance_charge": 6842.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4633, VIN 1V2HN2CA4TC583971. $896 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,773. 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_1V2HN2CA4TC583971_finance_72", "type": "finance_72", "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": 44170.0, "price_incl_doc": 44170.0, "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": 777.55, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 55983.93, "finance_charge": 9053.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4633, VIN 1V2HN2CA4TC583971. $778 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,984. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA4TC583971_finance_84", "type": "finance_84", "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": 44170.0, "price_incl_doc": 44170.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 696.67, "amount_financed": 46930.63, "sales_tax": 2760.63, "total_of_payments": 58519.96, "finance_charge": 11589.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4633, VIN 1V2HN2CA4TC583971. $697 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,170, before any dealer documentation fee. Amount financed $46,931, including $2,761 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,520. 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_1V2HN2CA4TC583971_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 48993.0, "selling_price": 44170.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.93, "net_cap_cost": 44845.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.93}, "total_of_payments": 19692, "total_of_payments_unrounded": 19689.48}, "disclosure": "Estimated lease payment for stock #W4633, VIN 1V2HN2CA4TC583971. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $48,993. Lease selling price $44,170. Net capitalized cost $44,845. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2HN2CA4TC583971_lease", "type": "lease", "label": "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": 48993.0, "selling_price": 44170.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 453.64, "net_cap_cost": 41846.0, "residual_value": 30375.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.64}, "total_of_payments": 16344, "total_of_payments_unrounded": 16331.04}, "disclosure": "Estimated lease payment for stock #W4633, VIN 1V2HN2CA4TC583971. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,993. Lease selling price $44,170. Net capitalized cost $41,846. Residual value $30,376, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 406}}, {"vin": "1V2HN2CA9TC583318", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43927.0, "msrp": 49186.0, "sale_price": 43927.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure Gray", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD262275", "stock_status": "Available", 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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc583318/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA9TC583318.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA9TC583318.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA9TC583318.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc583318/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,259. This offer applies to Stock #VD262275, VIN 1V2HN2CA9TC583318. 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: $49,186. Advertised price: $43,927. Savings: $5,259, 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": "$49,186"}, {"label": "Advertised price", "value": "$43,927"}, {"label": "Savings", "value": "$5,259, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,259", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA9TC583318_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43927.0, "price_incl_doc": 43927.0, "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": 891.28, "amount_financed": 46672.44, "sales_tax": 2745.44, "total_of_payments": 53476.95, "finance_charge": 6804.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262275, VIN 1V2HN2CA9TC583318. $891 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,927, before any dealer documentation fee. Amount financed $46,672, including $2,745 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,477. 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_1V2HN2CA9TC583318_finance_72", "type": "finance_72", "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": 43927.0, "price_incl_doc": 43927.0, "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": 773.28, "amount_financed": 46672.44, "sales_tax": 2745.44, "total_of_payments": 55675.93, "finance_charge": 9003.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262275, VIN 1V2HN2CA9TC583318. $773 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,927, before any dealer documentation fee. Amount financed $46,672, including $2,745 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,676. 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_1V2HN2CA9TC583318_finance_84", "type": "finance_84", "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": 43927.0, "price_incl_doc": 43927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.83, "amount_financed": 46672.44, "sales_tax": 2745.44, "total_of_payments": 58198.01, "finance_charge": 11525.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262275, VIN 1V2HN2CA9TC583318. $693 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,927, before any dealer documentation fee. Amount financed $46,672, including $2,745 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,198. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA9TC583318_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49186.0, "selling_price": 43927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 536.03, "net_cap_cost": 44602.0, "residual_value": 30495.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 536.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 696.03}, "total_of_payments": 19296, "total_of_payments_unrounded": 19297.08}, "disclosure": "Estimated lease payment for stock #VD262275, VIN 1V2HN2CA9TC583318. $536 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $696, made up of $536 first payment, $60 title, $100 registration. MSRP $49,186. Lease selling price $43,927. Net capitalized cost $44,602. Residual value $30,495, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,296. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA9TC583318_lease", "type": "lease", "label": "Lease", "headline": {"value": 443, "unit": "per_month", "display": "$443/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49186.0, "selling_price": 43927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 442.74, "net_cap_cost": 41603.0, "residual_value": 30495.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 442.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3601.74}, "total_of_payments": 15948, "total_of_payments_unrounded": 15938.64}, "disclosure": "Estimated lease payment for stock #VD262275, VIN 1V2HN2CA9TC583318. $443 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,602, made up of $443 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,186. Lease selling price $43,927. Net capitalized cost $41,603. Residual value $30,495, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,948. 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"}], "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": 379}}, {"vin": "1V2HN2CA4TC567723", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44361.0, "msrp": 49248.0, "sale_price": 44361.0, "currency": "USD", "mileage": 9, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4493", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49248.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc567723/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca4tc567723/2026-volkswagen-atlas-sport-utility", "canonical_url": 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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 $4,887. This offer applies to Stock #W4493, VIN 1V2HN2CA4TC567723. 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: $49,248. Advertised price: $44,361. Savings: $4,887, 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": "$49,248"}, {"label": "Advertised price", "value": "$44,361"}, {"label": "Savings", "value": "$4,887, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,887", "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44361.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA4TC567723_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 900, "unit": "per_month", "display": "$900/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44361.0, "price_incl_doc": 44361.0, "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": 900.09, "amount_financed": 47133.56, "sales_tax": 2772.56, "total_of_payments": 54005.29, "finance_charge": 6871.73, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4493, VIN 1V2HN2CA4TC567723. $900 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,361, before any dealer documentation fee. Amount financed $47,134, including $2,773 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,005. 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_1V2HN2CA4TC567723_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44361.0, "price_incl_doc": 44361.0, "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": 780.92, "amount_financed": 47133.56, "sales_tax": 2772.56, "total_of_payments": 56226.0, "finance_charge": 9092.44, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4493, VIN 1V2HN2CA4TC567723. $781 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,361, before any dealer documentation fee. Amount financed $47,134, including $2,773 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,226. 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_1V2HN2CA4TC567723_finance_84", "type": "finance_84", "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": 44361.0, "price_incl_doc": 44361.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.68, "amount_financed": 47133.56, "sales_tax": 2772.56, "total_of_payments": 58773.01, "finance_charge": 11639.45, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4493, VIN 1V2HN2CA4TC567723. $700 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,361, before any dealer documentation fee. Amount financed $47,134, including $2,773 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,773. 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_1V2HN2CA4TC567723_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": 49248.0, "selling_price": 44361.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 548.46, "net_cap_cost": 45036.0, "residual_value": 30533.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 548.46, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 708.46}, "total_of_payments": 19728, "total_of_payments_unrounded": 19744.56}, "disclosure": "Estimated lease payment for stock #W4493, VIN 1V2HN2CA4TC567723. $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 $49,248. Lease selling price $44,361. Net capitalized cost $45,036. Residual value $30,534, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA4TC567723_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": 49248.0, "selling_price": 44361.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 455.16, "net_cap_cost": 42037.0, "residual_value": 30533.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 455.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3614.16}, "total_of_payments": 16380, "total_of_payments_unrounded": 16385.76}, "disclosure": "Estimated lease payment for stock #W4493, VIN 1V2HN2CA4TC567723. $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 $49,248. Lease selling price $44,361. Net capitalized cost $42,037. Residual value $30,534, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 376}}, {"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": 27577.0, "msrp": 27577.0, "sale_price": 27977.0, "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.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm1bpakl5t1856233/2026-mazda-mazda3-hatchback-", "canonical_url": "https://ai.castlevwdownersgrove.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: $27,577. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$27,577"}], "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27577.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 27577.0, "price_incl_doc": 27577.0, "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": 687.99, "amount_financed": 29300.56, "sales_tax": 1723.56, "total_of_payments": 33023.53, "finance_charge": 3722.97, "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. $688 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,577, before any dealer documentation fee. Amount financed $29,301, including $1,724 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,024. 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_JM1BPAKL5T1856233_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": 27577.0, "price_incl_doc": 27577.0, "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": 573.16, "amount_financed": 29300.56, "sales_tax": 1723.56, "total_of_payments": 34389.71, "finance_charge": 5089.15, "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. $573 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,577, before any dealer documentation fee. Amount financed $29,301, including $1,724 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,390. 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_JM1BPAKL5T1856233_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27577.0, "price_incl_doc": 27577.0, "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": 499.4, "amount_financed": 29300.56, "sales_tax": 1723.56, "total_of_payments": 35957.14, "finance_charge": 6656.58, "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. $499 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,577, before any dealer documentation fee. Amount financed $29,301, including $1,724 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,957. 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"}], "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": 319}}, {"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": 38970.0, "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.castlevwdownersgrove.com/sticker/5NMP2DG1XTH106247.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp2dg1xth106247/2026-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMP2DG1XTH106247.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMP2DG1XTH106247.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMP2DG1XTH106247.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmp2dg1xth106247/2026-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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: $38,970. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$38,970"}], "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38970.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 972, "unit": "per_month", "display": "$972/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38970.0, "price_incl_doc": 38970.0, "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": 972.22, "amount_financed": 41405.63, "sales_tax": 2435.63, "total_of_payments": 46666.68, "finance_charge": 5261.05, "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. $972 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,970, before any dealer documentation fee. Amount financed $41,406, including $2,436 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,667. 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_5NMP2DG1XTH106247_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38970.0, "price_incl_doc": 38970.0, "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": 809.95, "amount_financed": 41405.63, "sales_tax": 2435.63, "total_of_payments": 48597.29, "finance_charge": 7191.66, "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. $810 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,970, before any dealer documentation fee. Amount financed $41,406, including $2,436 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,597. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 38970.0, "price_incl_doc": 38970.0, "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": 705.73, "amount_financed": 41405.63, "sales_tax": 2435.63, "total_of_payments": 50812.28, "finance_charge": 9406.65, "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. $706 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,970, before any dealer documentation fee. Amount financed $41,406, including $2,436 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,812. 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 #W4714, VIN 3VVBR7RM5TM134356. Advertised price: $34,381. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,381"}], "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": "2026-07-26T16:50:35Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34381.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM5TM134356_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": 34381.0, "price_incl_doc": 34381.0, "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": 697.59, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 41855.59, "finance_charge": 5325.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4714, VIN 3VVBR7RM5TM134356. $698 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,856. 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_3VVBR7RM5TM134356_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": 34381.0, "price_incl_doc": 34381.0, "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": 605.23, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 43576.71, "finance_charge": 7046.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4714, VIN 3VVBR7RM5TM134356. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,577. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM5TM134356_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": 34381.0, "price_incl_doc": 34381.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 542.27, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 45550.7, "finance_charge": 9020.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4714, VIN 3VVBR7RM5TM134356. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,551. 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_3VVBR7RM5TM134356_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": 34381.0, "selling_price": 34381.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.36, "net_cap_cost": 35056.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 655.36}, "total_of_payments": 17820, "total_of_payments_unrounded": 17832.96}, "disclosure": "Estimated lease payment for stock #W4714, VIN 3VVBR7RM5TM134356. $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 $34,381. Lease selling price $34,381. Net capitalized cost $35,056. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVBR7RM5TM134356_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": 34381.0, "selling_price": 34381.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 402.07, "net_cap_cost": 32057.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 402.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3561.07}, "total_of_payments": 14472, "total_of_payments_unrounded": 14474.52}, "disclosure": "Estimated lease payment for stock #W4714, VIN 3VVBR7RM5TM134356. $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 $34,381. Lease selling price $34,381. Net capitalized cost $32,057. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU2TM005530_finance_60", "type": "finance_60", "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": 26295.0, "price_incl_doc": 26295.0, "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": 533.53, "amount_financed": 27938.44, "sales_tax": 1643.44, "total_of_payments": 32011.66, "finance_charge": 4073.22, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4118, VIN 3VW7W7BU2TM005530. $534 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,295, before any dealer documentation fee. Amount financed $27,938, including $1,643 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,012. 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_3VW7W7BU2TM005530_finance_72", "type": "finance_72", "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": 26295.0, "price_incl_doc": 26295.0, "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": 462.89, "amount_financed": 27938.44, "sales_tax": 1643.44, "total_of_payments": 33327.99, "finance_charge": 5389.55, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4118, VIN 3VW7W7BU2TM005530. $463 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,295, before any dealer documentation fee. Amount financed $27,938, including $1,643 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,328. 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_3VW7W7BU2TM005530_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26295.0, "price_incl_doc": 26295.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 414.73, "amount_financed": 27938.44, "sales_tax": 1643.44, "total_of_payments": 34837.73, "finance_charge": 6899.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4118, VIN 3VW7W7BU2TM005530. $415 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,295, before any dealer documentation fee. Amount financed $27,938, including $1,643 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,838. 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_3VW7W7BU2TM005530_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 349, "unit": "per_month", "display": "$349/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28289.0, "selling_price": 26295.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 349.28, "net_cap_cost": 26970.0, "residual_value": 17539.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 349.28, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 509.28}, "total_of_payments": 12564, "total_of_payments_unrounded": 12574.08}, "disclosure": "Estimated lease payment for stock #W4118, VIN 3VW7W7BU2TM005530. $349 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $509, made up of $349 first payment, $60 title, $100 registration. MSRP $28,289. Lease selling price $26,295. Net capitalized cost $26,970. Residual value $17,539, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,564. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU2TM005530_lease", "type": "lease", "label": "Lease", "headline": {"value": 256, "unit": "per_month", "display": "$256/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28289.0, "selling_price": 26295.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 255.98, "net_cap_cost": 23971.0, "residual_value": 17539.18, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 255.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3414.98}, "total_of_payments": 9216, "total_of_payments_unrounded": 9215.28}, "disclosure": "Estimated lease payment for stock #W4118, VIN 3VW7W7BU2TM005530. $256 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,415, made up of $256 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,289. Lease selling price $26,295. Net capitalized cost $23,971. Residual value $17,539, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,216. 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"}], "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": 577}}, {"vin": "3VVMR7RM4TM125463", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 38531.0, "msrp": 38531.0, "sale_price": 38531.0, "currency": "USD", "mileage": 9, "exterior_color": "Blue", "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": "W4716", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/7c96016b2921419a809be580821e7ca3.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/7c96016b2921419a809be580821e7ca3.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/ca02065d9e5e4c379deed1ee6f30529e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/c7fc922af3324e1c87cc72e344ee49fe.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/401fc134bb9d4ee2b68ae88b8f335952.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2de268235e704cdd9861a2ce4294dd5a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/ca41778b84894f8cb1fc11bb109d18cf.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/da586afe11b04b0c9d651f144581e8a8.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38531.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm125463/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm125463/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM4TM125463.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM125463.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM125463.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm125463/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4716, VIN 3VVMR7RM4TM125463. Advertised price: $38,531. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$38,531"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38531.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM4TM125463_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38531.0, "price_incl_doc": 38531.0, "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": 781.8, "amount_financed": 40939.19, "sales_tax": 2408.19, "total_of_payments": 46907.83, "finance_charge": 5968.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4716, VIN 3VVMR7RM4TM125463. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,531, before any dealer documentation fee. Amount financed $40,939, including $2,408 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,908. 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_3VVMR7RM4TM125463_finance_72", "type": "finance_72", "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": 38531.0, "price_incl_doc": 38531.0, "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": 678.29, "amount_financed": 40939.19, "sales_tax": 2408.19, "total_of_payments": 48836.69, "finance_charge": 7897.5, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4716, VIN 3VVMR7RM4TM125463. $678 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,531, before any dealer documentation fee. Amount financed $40,939, including $2,408 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,837. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM125463_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": 38531.0, "price_incl_doc": 38531.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.73, "amount_financed": 40939.19, "sales_tax": 2408.19, "total_of_payments": 51048.96, "finance_charge": 10109.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4716, VIN 3VVMR7RM4TM125463. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,531, before any dealer documentation fee. Amount financed $40,939, including $2,408 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,049. 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_3VVMR7RM4TM125463_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38531.0, "selling_price": 38531.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.62, "net_cap_cost": 39206.0, "residual_value": 23889.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 712.62}, "total_of_payments": 19908, "total_of_payments_unrounded": 19894.32}, "disclosure": "Estimated lease payment for stock #W4716, VIN 3VVMR7RM4TM125463. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $38,531. Lease selling price $38,531. Net capitalized cost $39,206. Residual value $23,889, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM4TM125463_lease", "type": "lease", "label": "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": 38531.0, "selling_price": 38531.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 459.32, "net_cap_cost": 36207.0, "residual_value": 23889.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.32, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3618.32}, "total_of_payments": 16524, "total_of_payments_unrounded": 16535.52}, "disclosure": "Estimated lease payment for stock #W4716, VIN 3VVMR7RM4TM125463. $459 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,618, made up of $459 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,531. Lease selling price $38,531. Net capitalized cost $36,207. Residual value $23,889, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 576}}, {"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": 34743.0, "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbem0s0751379/2025-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/JM3KFBEM0S0751379.html", "json_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBEM0S0751379.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBEM0S0751379.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbem0s0751379/2025-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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: $34,743. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,743"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34743.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 34743.0, "price_incl_doc": 34743.0, "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": 866.77, "amount_financed": 36914.44, "sales_tax": 2171.44, "total_of_payments": 41604.84, "finance_charge": 4690.4, "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. $867 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,743, before any dealer documentation fee. Amount financed $36,914, including $2,171 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,605. 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"}, {"offer_id": "of_JM3KFBEM0S0751379_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": 34743.0, "price_incl_doc": 34743.0, "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": 722.1, "amount_financed": 36914.44, "sales_tax": 2171.44, "total_of_payments": 43326.03, "finance_charge": 6411.59, "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. $722 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,743, before any dealer documentation fee. Amount financed $36,914, including $2,171 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,326. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34743.0, "price_incl_doc": 34743.0, "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": 629.18, "amount_financed": 36914.44, "sales_tax": 2171.44, "total_of_payments": 45300.76, "finance_charge": 8386.32, "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. $629 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,743, before any dealer documentation fee. Amount financed $36,914, including $2,171 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,301. 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"}], "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": 444}}, {"vin": "3VV2C7B28TM058755", "title": "2026 Volkswagen Taos SE Black", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE Black", "decoded_trim": "4Motion SE Black", "condition": "new", "price": 34019.0, "msrp": 36420.0, "sale_price": 34019.0, "currency": "USD", "mileage": 6, "exterior_color": "Bright Moss Green Metallic/Deep Black Roof", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4468", "stock_status": "Available", 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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 $2,401. This offer applies to Stock #W4468, VIN 3VV2C7B28TM058755. 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: $36,420. Advertised price: $34,019. Savings: $2,401, 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": "$36,420"}, {"label": "Advertised price", "value": "$34,019"}, {"label": "Savings", "value": "$2,401, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,401", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34019.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B28TM058755_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": 34019.0, "price_incl_doc": 34019.0, "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": 690.25, "amount_financed": 36145.19, "sales_tax": 2126.19, "total_of_payments": 41414.9, "finance_charge": 5269.71, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4468, VIN 3VV2C7B28TM058755. $690 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,019, before any dealer documentation fee. Amount financed $36,145, including $2,126 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,415. 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_3VV2C7B28TM058755_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": 34019.0, "price_incl_doc": 34019.0, "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": 598.86, "amount_financed": 36145.19, "sales_tax": 2126.19, "total_of_payments": 43117.89, "finance_charge": 6972.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4468, VIN 3VV2C7B28TM058755. $599 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,019, before any dealer documentation fee. Amount financed $36,145, including $2,126 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,118. 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_3VV2C7B28TM058755_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": 34019.0, "price_incl_doc": 34019.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 536.56, "amount_financed": 36145.19, "sales_tax": 2126.19, "total_of_payments": 45071.1, "finance_charge": 8925.91, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4468, VIN 3VV2C7B28TM058755. $537 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,019, before any dealer documentation fee. Amount financed $36,145, including $2,126 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B28TM058755_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36420.0, "selling_price": 34019.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.8, "net_cap_cost": 34694.0, "residual_value": 22580.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 608.8}, "total_of_payments": 16164, "total_of_payments_unrounded": 16156.8}, "disclosure": "Estimated lease payment for stock #W4468, VIN 3VV2C7B28TM058755. $449 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $609, made up of $449 first payment, $60 title, $100 registration. MSRP $36,420. Lease selling price $34,019. Net capitalized cost $34,694. Residual value $22,580, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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_3VV2C7B28TM058755_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36420.0, "selling_price": 34019.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 355.51, "net_cap_cost": 31695.0, "residual_value": 22580.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 355.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3514.51}, "total_of_payments": 12816, "total_of_payments_unrounded": 12798.36}, "disclosure": "Estimated lease payment for stock #W4468, VIN 3VV2C7B28TM058755. $356 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,515, made up of $356 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,420. Lease selling price $34,019. Net capitalized cost $31,695. Residual value $22,580, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,816. 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. 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm092181/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm092181/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM3TM092181.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM092181.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM092181.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm092181/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,535. This offer applies to Stock #W4458, VIN 3VVMR7RM3TM092181. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM3TM092181_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4458, VIN 3VVMR7RM3TM092181. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM3TM092181_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4458, VIN 3VVMR7RM3TM092181. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM3TM092181_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4458, VIN 3VVMR7RM3TM092181. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM3TM092181_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4458, VIN 3VVMR7RM3TM092181. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM3TM092181_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4458, VIN 3VVMR7RM3TM092181. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45982.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8RJES22TU045109_finance_48", "type": "finance_48", "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": 45982.0, "price_incl_doc": 45982.0, "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": 1147.16, "amount_financed": 48855.88, "sales_tax": 2873.88, "total_of_payments": 55063.57, "finance_charge": 6207.69, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260132, VIN KM8RJES22TU045109. $1,147 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $45,982, before any dealer documentation fee. Amount financed $48,856, including $2,874 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $55,064. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 956, "unit": "per_month", "display": "$956/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45982.0, "price_incl_doc": 45982.0, "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": 955.69, "amount_financed": 48855.88, "sales_tax": 2873.88, "total_of_payments": 57341.55, "finance_charge": 8485.67, "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. $956 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $45,982, before any dealer documentation fee. Amount financed $48,856, including $2,874 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $57,342. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 45982.0, "price_incl_doc": 45982.0, "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": 832.71, "amount_financed": 48855.88, "sales_tax": 2873.88, "total_of_payments": 59955.09, "finance_charge": 11099.21, "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. $833 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $45,982, before any dealer documentation fee. Amount financed $48,856, including $2,874 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,955. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $3,527. This offer applies to Stock #W4687, VIN 3VVGR7RM3TM129887. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM129887_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4687, VIN 3VVGR7RM3TM129887. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM3TM129887_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4687, VIN 3VVGR7RM3TM129887. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM129887_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4687, VIN 3VVGR7RM3TM129887. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM3TM129887_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4687, VIN 3VVGR7RM3TM129887. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM3TM129887_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4687, VIN 3VVGR7RM3TM129887. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 582}}, {"vin": "3VVGR7RM4TM087794", "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": "new", "price": 38744.0, "msrp": 42313.0, "sale_price": 38744.0, "currency": "USD", "mileage": 8, "exterior_color": "Avocado Green w/Deep Black Roof", "interior_color": "Crystal Gray", "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": "W4489", 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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 $3,569. This offer applies to Stock #W4489, VIN 3VVGR7RM4TM087794. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM087794_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4489, VIN 3VVGR7RM4TM087794. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM4TM087794_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4489, VIN 3VVGR7RM4TM087794. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM4TM087794_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4489, VIN 3VVGR7RM4TM087794. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM4TM087794_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4489, VIN 3VVGR7RM4TM087794. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM087794_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4489, VIN 3VVGR7RM4TM087794. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 538}}, {"vin": "3VWBW7BU0TM022689", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 24926.0, "msrp": 26877.0, "sale_price": 24926.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black Pearl", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4259", "stock_status": "Available", "availability": "In Stock", 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"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 $1,951. This offer applies to Stock #W4259, VIN 3VWBW7BU0TM022689. 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: $26,877. Advertised price: $24,926. Savings: $1,951, 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": "$26,877"}, {"label": "Advertised price", "value": "$24,926"}, {"label": "Savings", "value": "$1,951, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,951", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU0TM022689_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "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": 505.75, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 30345.04, "finance_charge": 3861.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4259, VIN 3VWBW7BU0TM022689. $506 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU0TM022689_finance_72", "type": "finance_72", "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": 24926.0, "price_incl_doc": 24926.0, "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": 438.79, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 31592.83, "finance_charge": 5108.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4259, VIN 3VWBW7BU0TM022689. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,593. 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_3VWBW7BU0TM022689_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 393.14, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 33023.97, "finance_charge": 6540.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4259, VIN 3VWBW7BU0TM022689. $393 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,024. 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_3VWBW7BU0TM022689_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 331.13, "net_cap_cost": 25601.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 331.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 491.13}, "total_of_payments": 11916, "total_of_payments_unrounded": 11920.68}, "disclosure": "Estimated lease payment for stock #W4259, VIN 3VWBW7BU0TM022689. $331 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $491, made up of $331 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $25,601. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU0TM022689_lease", "type": "lease", "label": "Lease", "headline": {"value": 238, "unit": "per_month", "display": "$238/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 237.84, "net_cap_cost": 22602.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 237.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3396.84}, "total_of_payments": 8568, "total_of_payments_unrounded": 8562.24}, "disclosure": "Estimated lease payment for stock #W4259, VIN 3VWBW7BU0TM022689. $238 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,397, made up of $238 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $22,602. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,568. 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": [{"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": 476}}, {"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": 37599.0, "msrp": 37599.0, "sale_price": 37599.0, "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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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 #PDV1010, VIN 3VVGR7RM3TM022354. Advertised price: $37,599. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$37,599"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37599.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 37599.0, "price_incl_doc": 37599.0, "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": 938.02, "amount_financed": 39948.94, "sales_tax": 2349.94, "total_of_payments": 45024.91, "finance_charge": 5075.97, "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. $938 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,599, before any dealer documentation fee. Amount financed $39,949, including $2,350 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,025. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37599.0, "price_incl_doc": 37599.0, "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": 781.46, "amount_financed": 39948.94, "sales_tax": 2349.94, "total_of_payments": 46887.59, "finance_charge": 6938.65, "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. $781 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,599, before any dealer documentation fee. Amount financed $39,949, including $2,350 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,888. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 37599.0, "price_incl_doc": 37599.0, "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": 680.9, "amount_financed": 39948.94, "sales_tax": 2349.94, "total_of_payments": 49024.65, "finance_charge": 9075.71, "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. $681 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,599, before any dealer documentation fee. Amount financed $39,949, including $2,350 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $49,025. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $3,587. This offer applies to Stock #W4177, VIN 3VVMR7RM8TM015998. 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: $39,023. Advertised price: $35,436. Savings: $3,587, 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": "$39,023"}, {"label": "Advertised price", "value": "$35,436"}, {"label": "Savings", "value": "$3,587, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,587", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35436.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM015998_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": 35436.0, "price_incl_doc": 35436.0, "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": 719.0, "amount_financed": 37650.75, "sales_tax": 2214.75, "total_of_payments": 43139.96, "finance_charge": 5489.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4177, VIN 3VVMR7RM8TM015998. $719 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,436, before any dealer documentation fee. Amount financed $37,651, including $2,215 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,140. 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_3VVMR7RM8TM015998_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 624, "unit": "per_month", "display": "$624/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35436.0, "price_incl_doc": 35436.0, "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": 623.8, "amount_financed": 37650.75, "sales_tax": 2214.75, "total_of_payments": 44913.88, "finance_charge": 7263.13, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4177, VIN 3VVMR7RM8TM015998. $624 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,436, before any dealer documentation fee. Amount financed $37,651, including $2,215 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,914. 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_3VVMR7RM8TM015998_finance_84", "type": "finance_84", "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": 35436.0, "price_incl_doc": 35436.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 558.91, "amount_financed": 37650.75, "sales_tax": 2214.75, "total_of_payments": 46948.45, "finance_charge": 9297.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4177, VIN 3VVMR7RM8TM015998. $559 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,436, before any dealer documentation fee. Amount financed $37,651, including $2,215 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,948. 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_3VVMR7RM8TM015998_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": 39023.0, "selling_price": 35436.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 447.82, "net_cap_cost": 36111.0, "residual_value": 24194.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 447.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 607.82}, "total_of_payments": 16128, "total_of_payments_unrounded": 16121.52}, "disclosure": "Estimated lease payment for stock #W4177, VIN 3VVMR7RM8TM015998. $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 $39,023. Lease selling price $35,436. Net capitalized cost $36,111. Residual value $24,194, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVMR7RM8TM015998_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": 39023.0, "selling_price": 35436.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 354.53, "net_cap_cost": 33112.0, "residual_value": 24194.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 354.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3513.53}, "total_of_payments": 12780, "total_of_payments_unrounded": 12763.08}, "disclosure": "Estimated lease payment for stock #W4177, VIN 3VVMR7RM8TM015998. $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 $39,023. Lease selling price $35,436. Net capitalized cost $33,112. Residual value $24,194, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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": 479}}, {"vin": "KM8RJES24TU041191", "title": "2026 Hyundai Palisade XRT Pro", "year": 2026, "make": "Hyundai", "model": "Palisade", "trim": "XRT Pro", "decoded_trim": "XRT Pro", "condition": "used", "price": 47495.0, "msrp": 47495.0, "sale_price": 47555.0, "currency": "USD", "mileage": 35, "exterior_color": "Creamy 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 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": "HD260120", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 18, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/bbd0bef08fc044269f841ad80a959da8.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/bbd0bef08fc044269f841ad80a959da8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bedb128082b249019e3e2db803f09655.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/871c300d4d5048599b69bcb14b5c7186.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b535bc7f02344bfb961df8f25fa8baa6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb6ff04da3ad498f9a790e81235b4716.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8d7fb7348b65428e9073052545b31acd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eba65677dcf94207b608e9e0c9a60910.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f256495028ff461b9fff9b08987e8b65.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d7003fc660949c5aa3ce21679d861d8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/58c9bfde228643a1b2bdcd69f7af1c9d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/12b6697944944825b250c05820d3b60b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/89472e6cc5a448538200d793aed32e01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/596d446e343f492993eeabea0d60ced2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5be8b13d6ff24c6d864ef571e00998f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1502d1e17e3946c0b768551babf2f14a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/73845cd8abeb43cd8e8ea8f695bc4fe7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74e49fe14eeb41b08b0daa8b1bb11340.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/300142199cd74f5185858cda08899080.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9c75ee4e96194ed2aa49a852e6f689c0.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": 47495.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/KM8RJES24TU041191.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8rjes24tu041191/2026-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8rjes24tu041191/2026-hyundai-palisade-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KM8RJES24TU041191.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KM8RJES24TU041191.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KM8RJES24TU041191.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8rjes24tu041191/2026-hyundai-palisade-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260120, VIN KM8RJES24TU041191. Advertised price: $47,495. 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": "$47,495"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47495.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1185, "unit": "per_month", "display": "$1,185/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47495.0, "price_incl_doc": 47495.0, "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": 1184.9, "amount_financed": 50463.44, "sales_tax": 2968.44, "total_of_payments": 56875.39, "finance_charge": 6411.95, "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. $1,185 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $47,495, before any dealer documentation fee. Amount financed $50,463, including $2,968 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,875. 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_KM8RJES24TU041191_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 987, "unit": "per_month", "display": "$987/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47495.0, "price_incl_doc": 47495.0, "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": 987.14, "amount_financed": 50463.44, "sales_tax": 2968.44, "total_of_payments": 59228.33, "finance_charge": 8764.89, "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. $987 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $47,495, before any dealer documentation fee. Amount financed $50,463, including $2,968 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $59,228. 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_KM8RJES24TU041191_finance_72", "type": "finance_72", "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": 47495.0, "price_incl_doc": 47495.0, "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": 860.11, "amount_financed": 50463.44, "sales_tax": 2968.44, "total_of_payments": 61927.86, "finance_charge": 11464.42, "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. $860 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $47,495, before any dealer documentation fee. Amount financed $50,463, including $2,968 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,928. 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"}], "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": 34381.0, "price_incl_doc": 34381.0, "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": 697.59, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 41855.59, "finance_charge": 5325.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4713, VIN 3VVBR7RM0TM133793. $698 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,856. 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_3VVBR7RM0TM133793_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": 34381.0, "price_incl_doc": 34381.0, "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": 605.23, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 43576.71, "finance_charge": 7046.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4713, VIN 3VVBR7RM0TM133793. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,577. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM0TM133793_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": 34381.0, "price_incl_doc": 34381.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 542.27, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 45550.7, "finance_charge": 9020.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4713, VIN 3VVBR7RM0TM133793. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,551. 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_3VVBR7RM0TM133793_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": 34381.0, "selling_price": 34381.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.36, "net_cap_cost": 35056.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 655.36}, "total_of_payments": 17820, "total_of_payments_unrounded": 17832.96}, "disclosure": "Estimated lease payment for stock #W4713, VIN 3VVBR7RM0TM133793. $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 $34,381. Lease selling price $34,381. Net capitalized cost $35,056. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVBR7RM0TM133793_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": 34381.0, "selling_price": 34381.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 402.07, "net_cap_cost": 32057.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 402.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3561.07}, "total_of_payments": 14472, "total_of_payments_unrounded": 14474.52}, "disclosure": "Estimated lease payment for stock #W4713, VIN 3VVBR7RM0TM133793. $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 $34,381. Lease selling price $34,381. Net capitalized cost $32,057. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 32, "elapsed_ms": 373}}, {"vin": "1GYFZFR42PF140223", "title": "2023 Cadillac XT4 AWD Sport", "year": 2023, "make": "Cadillac", "model": "XT4", "trim": "AWD Sport", "decoded_trim": "Sport", "condition": "used", "price": 30234.0, "msrp": 30234.0, "sale_price": 30678.0, "currency": "USD", "mileage": 31174, "exterior_color": "Stellar Black Metallic", "interior_color": "Sedona/Jet Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1gyfzfr42pf140223/2023-cadillac-xt4-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1GYFZFR42PF140223.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1GYFZFR42PF140223.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1GYFZFR42PF140223.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1gyfzfr42pf140223/2023-cadillac-xt4-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #GD260638A, VIN 1GYFZFR42PF140223. Advertised price: $30,234. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$30,234"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30234.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYFZFR42PF140223_finance_48", "type": "finance_48", "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": 30234.0, "price_incl_doc": 30234.0, "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": 754.28, "amount_financed": 32123.63, "sales_tax": 1889.63, "total_of_payments": 36205.3, "finance_charge": 4081.67, "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. $754 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,234, before any dealer documentation fee. Amount financed $32,124, including $1,890 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,205. 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_1GYFZFR42PF140223_finance_60", "type": "finance_60", "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": 30234.0, "price_incl_doc": 30234.0, "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": 628.39, "amount_financed": 32123.63, "sales_tax": 1889.63, "total_of_payments": 37703.12, "finance_charge": 5579.49, "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. $628 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,234, before any dealer documentation fee. Amount financed $32,124, including $1,890 estimated sales tax at 6.25%. That is $19.56 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": 16, "validator_version": "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": 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": 30234.0, "price_incl_doc": 30234.0, "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": 547.52, "amount_financed": 32123.63, "sales_tax": 1889.63, "total_of_payments": 39421.56, "finance_charge": 7297.93, "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. $548 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,234, before any dealer documentation fee. Amount financed $32,124, including $1,890 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,422. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "$34,290"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34290.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM0TM016160_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 855, "unit": "per_month", "display": "$855/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34290.0, "price_incl_doc": 34290.0, "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": 855.47, "amount_financed": 36433.13, "sales_tax": 2143.13, "total_of_payments": 41062.37, "finance_charge": 4629.24, "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. $855 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,290, before any dealer documentation fee. Amount financed $36,433, including $2,143 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,062. 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_3VVMR7RM0TM016160_finance_60", "type": "finance_60", "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": 34290.0, "price_incl_doc": 34290.0, "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": 712.69, "amount_financed": 36433.13, "sales_tax": 2143.13, "total_of_payments": 42761.12, "finance_charge": 6327.99, "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. $713 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,290, before any dealer documentation fee. Amount financed $36,433, including $2,143 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,761. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "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": 34290.0, "price_incl_doc": 34290.0, "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": 620.97, "amount_financed": 36433.13, "sales_tax": 2143.13, "total_of_payments": 44710.11, "finance_charge": 8276.98, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1012, VIN 3VVMR7RM0TM016160. $621 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,290, before any dealer documentation fee. Amount financed $36,433, including $2,143 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,710. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2caxtc542106/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CAXTC542106.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CAXTC542106.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CAXTC542106.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2caxtc542106/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,137. This offer applies to Stock #W4344, VIN 1V2FN2CAXTC542106. 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: $57,828. Advertised price: $52,691. Savings: $5,137, 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": "$57,828"}, {"label": "Advertised price", "value": "$52,691"}, {"label": "Savings", "value": "$5,137, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,137", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52691.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CAXTC542106_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1069, "unit": "per_month", "display": "$1,069/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52691.0, "price_incl_doc": 52691.0, "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": 1069.1, "amount_financed": 55984.19, "sales_tax": 3293.19, "total_of_payments": 64146.28, "finance_charge": 8162.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4344, VIN 1V2FN2CAXTC542106. $1,069 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,691, before any dealer documentation fee. Amount financed $55,984, including $3,293 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,146. 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_1V2FN2CAXTC542106_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 928, "unit": "per_month", "display": "$928/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52691.0, "price_incl_doc": 52691.0, "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": 927.56, "amount_financed": 55984.19, "sales_tax": 3293.19, "total_of_payments": 66783.99, "finance_charge": 10799.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4344, VIN 1V2FN2CAXTC542106. $928 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,691, before any dealer documentation fee. Amount financed $55,984, including $3,293 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,784. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CAXTC542106_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 831, "unit": "per_month", "display": "$831/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52691.0, "price_incl_doc": 52691.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 831.06, "amount_financed": 55984.19, "sales_tax": 3293.19, "total_of_payments": 69809.26, "finance_charge": 13825.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4344, VIN 1V2FN2CAXTC542106. $831 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,691, before any dealer documentation fee. Amount financed $55,984, including $3,293 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,809. 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_1V2FN2CAXTC542106_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": 57828.0, "selling_price": 52691.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 659.06, "net_cap_cost": 53366.0, "residual_value": 35853.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 659.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 819.06}, "total_of_payments": 23724, "total_of_payments_unrounded": 23726.16}, "disclosure": "Estimated lease payment for stock #W4344, VIN 1V2FN2CAXTC542106. $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 $57,828. Lease selling price $52,691. Net capitalized cost $53,366. Residual value $35,853, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CAXTC542106_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": 57828.0, "selling_price": 52691.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 50367.0, "residual_value": 35853.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3724.77}, "total_of_payments": 20376, "total_of_payments_unrounded": 20367.72}, "disclosure": "Estimated lease payment for stock #W4344, VIN 1V2FN2CAXTC542106. $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 $57,828. Lease selling price $52,691. Net capitalized cost $50,367. Residual value $35,853, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 12977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JHLRE4H71BC006184_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12977.0, "price_incl_doc": 12977.0, "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": 323.75, "amount_financed": 13788.06, "sales_tax": 811.06, "total_of_payments": 15539.99, "finance_charge": 1751.93, "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. $324 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $12,977, before any dealer documentation fee. Amount financed $13,788, including $811 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $15,540. 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_JHLRE4H71BC006184_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 270, "unit": "per_month", "display": "$270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12977.0, "price_incl_doc": 12977.0, "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": 269.71, "amount_financed": 13788.06, "sales_tax": 811.06, "total_of_payments": 16182.88, "finance_charge": 2394.82, "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. $270 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $12,977, before any dealer documentation fee. Amount financed $13,788, including $811 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $16,183. 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": 51770.0, "price_incl_doc": 51770.0, "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": 1050.42, "amount_financed": 55005.63, "sales_tax": 3235.63, "total_of_payments": 63025.06, "finance_charge": 8019.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4759, VIN 1V2DSPE82TC002837. $1,050 per month for 60 months at 5.49% 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 $19.10 per $1,000 financed. Total of payments $63,025. 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": 51770.0, "price_incl_doc": 51770.0, "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": 911.34, "amount_financed": 55005.63, "sales_tax": 3235.63, "total_of_payments": 65616.66, "finance_charge": 10611.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4759, VIN 1V2DSPE82TC002837. $911 per month for 72 months at 5.99% 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 $16.57 per $1,000 financed. Total of payments $65,617. 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_1V2DSPE82TC002837_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 #W4759, VIN 1V2DSPE82TC002837. $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_1V2DSPE82TC002837_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not 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": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 735.28, "net_cap_cost": 52445.0, "residual_value": 32097.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 735.28, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 895.28}, "total_of_payments": 26460, "total_of_payments_unrounded": 26470.08}, "disclosure": "Estimated lease payment for stock #W4759, VIN 1V2DSPE82TC002837. $735 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $895, made up of $735 first payment, $60 title, $100 registration. MSRP $51,770. Lease selling price $51,770. Net capitalized cost $52,445. Residual value $32,097, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,460. 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_1V2DSPE82TC002837_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not 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": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 641.98, "net_cap_cost": 49446.0, "residual_value": 32097.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 641.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3800.98}, "total_of_payments": 23112, "total_of_payments_unrounded": 23111.28}, "disclosure": "Estimated lease payment for stock #W4759, VIN 1V2DSPE82TC002837. $642 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,801, made up of $642 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,770. Lease selling price $51,770. Net capitalized cost $49,446. Residual value $32,097, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,112. 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": 32, "elapsed_ms": 248}}, {"vin": "1C6SRFHT7NN280839", "title": "2022 RAM 1500 Limited", "year": 2022, "make": "RAM", "model": "1500", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 45698.0, "msrp": 45698.0, "sale_price": 45698.0, "currency": "USD", "mileage": 47380, "exterior_color": "Bright White Clearcoat", "interior_color": "Indigo/Sea Salt", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": 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"https://www.castlevwdownersgrove.com/viewdetails/used/1c6srfht7nn280839/2022-ram-1500-crew-cab-pickup", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1c6srfht7nn280839/2022-ram-1500-crew-cab-pickup", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1C6SRFHT7NN280839.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1C6SRFHT7NN280839.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1C6SRFHT7NN280839.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/1c6srfht7nn280839/2022-ram-1500-crew-cab-pickup", "generated_at": "2026-07-26T16:50:21Z", "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 #PGD0544, VIN 1C6SRFHT7NN280839. Advertised price: $45,698. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$45,698"}], "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45698.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C6SRFHT7NN280839_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1140, "unit": "per_month", "display": "$1,140/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45698.0, "price_incl_doc": 45698.0, "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": 1140.07, "amount_financed": 48554.13, "sales_tax": 2856.13, "total_of_payments": 54723.48, "finance_charge": 6169.35, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0544, VIN 1C6SRFHT7NN280839. $1,140 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $45,698, before any dealer documentation fee. Amount financed $48,554, including $2,856 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $54,723. 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_1C6SRFHT7NN280839_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 950, "unit": "per_month", "display": "$950/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45698.0, "price_incl_doc": 45698.0, "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": 949.79, "amount_financed": 48554.13, "sales_tax": 2856.13, "total_of_payments": 56987.39, "finance_charge": 8433.26, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0544, VIN 1C6SRFHT7NN280839. $950 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $45,698, before any dealer documentation fee. Amount financed $48,554, including $2,856 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $56,987. 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_1C6SRFHT7NN280839_finance_72", "type": "finance_72", "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": 45698.0, "price_incl_doc": 45698.0, "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": 827.57, "amount_financed": 48554.13, "sales_tax": 2856.13, "total_of_payments": 59584.79, "finance_charge": 11030.66, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0544, VIN 1C6SRFHT7NN280839. $828 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $45,698, before any dealer documentation fee. Amount financed $48,554, including $2,856 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,585. 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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 37977.0, "price_incl_doc": 37977.0, "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": 947.45, "amount_financed": 40350.56, "sales_tax": 2373.56, "total_of_payments": 45477.56, "finance_charge": 5127.0, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260669A, VIN 1GC2KVEG9JZ102173. $947 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,977, before any dealer documentation fee. Amount financed $40,351, including $2,374 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,478. 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": 37977.0, "price_incl_doc": 37977.0, "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": 789.32, "amount_financed": 40350.56, "sales_tax": 2373.56, "total_of_payments": 47358.96, "finance_charge": 7008.4, "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. $789 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,977, before any dealer documentation fee. Amount financed $40,351, including $2,374 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,359. Offer expires 2026-07-31. Estimated for ZIP 60515. 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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49438.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca0tc223060/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca0tc223060/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KC2CA0TC223060.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA0TC223060.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CA0TC223060.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca0tc223060/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,022. This offer applies to Stock #W4435, VIN 1V2KC2CA0TC223060. 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: $49,438. Advertised price: $44,416. Savings: $5,022, 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": "$49,438"}, {"label": "Advertised price", "value": "$44,416"}, {"label": "Savings", "value": "$5,022, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,022", "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": "2026-07-26T16:50:36Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44416.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA0TC223060_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 901, "unit": "per_month", "display": "$901/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44416.0, "price_incl_doc": 44416.0, "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": 901.2, "amount_financed": 47192.0, "sales_tax": 2776.0, "total_of_payments": 54072.25, "finance_charge": 6880.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4435, VIN 1V2KC2CA0TC223060. $901 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,416, before any dealer documentation fee. Amount financed $47,192, including $2,776 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,072. 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_1V2KC2CA0TC223060_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44416.0, "price_incl_doc": 44416.0, "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": 781.88, "amount_financed": 47192.0, "sales_tax": 2776.0, "total_of_payments": 56295.72, "finance_charge": 9103.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4435, VIN 1V2KC2CA0TC223060. $782 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,416, before any dealer documentation fee. Amount financed $47,192, including $2,776 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,296. 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_1V2KC2CA0TC223060_finance_84", "type": "finance_84", "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": 44416.0, "price_incl_doc": 44416.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.55, "amount_financed": 47192.0, "sales_tax": 2776.0, "total_of_payments": 58845.88, "finance_charge": 11653.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4435, VIN 1V2KC2CA0TC223060. $701 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,416, before any dealer documentation fee. Amount financed $47,192, including $2,776 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,846. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA0TC223060_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 49438.0, "selling_price": 44416.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.88, "net_cap_cost": 45091.0, "residual_value": 30651.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.88}, "total_of_payments": 19692, "total_of_payments_unrounded": 19687.68}, "disclosure": "Estimated lease payment for stock #W4435, VIN 1V2KC2CA0TC223060. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $49,438. Lease selling price $44,416. Net capitalized cost $45,091. Residual value $30,652, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KC2CA0TC223060_lease", "type": "lease", "label": "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": 49438.0, "selling_price": 44416.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 453.59, "net_cap_cost": 42092.0, "residual_value": 30651.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.59}, "total_of_payments": 16344, "total_of_payments_unrounded": 16329.24}, "disclosure": "Estimated lease payment for stock #W4435, VIN 1V2KC2CA0TC223060. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,438. Lease selling price $44,416. Net capitalized cost $42,092. Residual value $30,652, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://ai.castlevwdownersgrove.com/vehicle/1V2LN2CA9TC583281.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA9TC583281.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2LN2CA9TC583281.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2ln2ca9tc583281/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,678. This offer applies to Stock #W4617, VIN 1V2LN2CA9TC583281. 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: $43,752. Advertised price: $39,074. Savings: $4,678, 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": "$43,752"}, {"label": "Advertised price", "value": "$39,074"}, {"label": "Savings", "value": "$4,678, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,678", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39074.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LN2CA9TC583281_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39074.0, "price_incl_doc": 39074.0, "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": 792.81, "amount_financed": 41516.13, "sales_tax": 2442.13, "total_of_payments": 47568.88, "finance_charge": 6052.75, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4617, VIN 1V2LN2CA9TC583281. $793 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,074, before any dealer documentation fee. Amount financed $41,516, including $2,442 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,569. 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_1V2LN2CA9TC583281_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": 39074.0, "price_incl_doc": 39074.0, "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": 687.85, "amount_financed": 41516.13, "sales_tax": 2442.13, "total_of_payments": 49524.93, "finance_charge": 8008.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4617, VIN 1V2LN2CA9TC583281. $688 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,074, before any dealer documentation fee. Amount financed $41,516, including $2,442 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,525. 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"}, {"offer_id": "of_1V2LN2CA9TC583281_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": 39074.0, "price_incl_doc": 39074.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 616.29, "amount_financed": 41516.13, "sales_tax": 2442.13, "total_of_payments": 51768.37, "finance_charge": 10252.24, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4617, VIN 1V2LN2CA9TC583281. $616 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,074, before any dealer documentation fee. Amount financed $41,516, including $2,442 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,768. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LN2CA9TC583281_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": 43752.0, "selling_price": 39074.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 479.13, "net_cap_cost": 39749.0, "residual_value": 27126.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 479.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 639.13}, "total_of_payments": 17244, "total_of_payments_unrounded": 17248.68}, "disclosure": "Estimated lease payment for stock #W4617, VIN 1V2LN2CA9TC583281. $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 $43,752. Lease selling price $39,074. Net capitalized cost $39,749. Residual value $27,126, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2LN2CA9TC583281_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": 43752.0, "selling_price": 39074.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 385.84, "net_cap_cost": 36750.0, "residual_value": 27126.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 385.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3544.84}, "total_of_payments": 13896, "total_of_payments_unrounded": 13890.24}, "disclosure": "Estimated lease payment for stock #W4617, VIN 1V2LN2CA9TC583281. $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 $43,752. Lease selling price $39,074. Net capitalized cost $36,750. Residual value $27,126, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm096628/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm096628/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM096628.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM096628.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM096628.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm096628/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,535. This offer applies to Stock #W4502, VIN 3VVMR7RM6TM096628. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM096628_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4502, VIN 3VVMR7RM6TM096628. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM096628_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4502, VIN 3VVMR7RM6TM096628. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM6TM096628_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4502, VIN 3VVMR7RM6TM096628. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM6TM096628_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4502, VIN 3VVMR7RM6TM096628. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM096628_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4502, VIN 3VVMR7RM6TM096628. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 199}}, {"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": 23716.0, "msrp": 23716.0, "sale_price": 23977.0, "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.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbbmxp0250754/2023-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/JM3KFBBMXP0250754.html", "json_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBBMXP0250754.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/JM3KFBBMXP0250754.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jm3kfbbmxp0250754/2023-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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: $23,716. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$23,716"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23716.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 23716.0, "price_incl_doc": 23716.0, "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": 591.67, "amount_financed": 25198.25, "sales_tax": 1482.25, "total_of_payments": 28399.97, "finance_charge": 3201.72, "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. $592 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,716, before any dealer documentation fee. Amount financed $25,198, including $1,482 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,400. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23716.0, "price_incl_doc": 23716.0, "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": 492.91, "amount_financed": 25198.25, "sales_tax": 1482.25, "total_of_payments": 29574.88, "finance_charge": 4376.63, "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. $493 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,716, before any dealer documentation fee. Amount financed $25,198, including $1,482 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,575. 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_JM3KFBBMXP0250754_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": 23716.0, "price_incl_doc": 23716.0, "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": 429.48, "amount_financed": 25198.25, "sales_tax": 1482.25, "total_of_payments": 30922.86, "finance_charge": 5724.61, "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. $429 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,716, before any dealer documentation fee. Amount financed $25,198, including $1,482 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,923. 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"}], "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": 164}}, {"vin": "3VVUW7RM3TM143770", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 46258.0, "msrp": 46258.0, "sale_price": 46258.0, "currency": "USD", "mileage": null, "exterior_color": "Opal White Pearl", "interior_color": null, "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.0L  268 HP  4 cylinder", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic 4MOTION", "mpg_city": 22, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "TM143770", "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/bbc2180323184a5582efba9f3b14d052.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/bbc2180323184a5582efba9f3b14d052.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/473fcdc6bb06459ea2f0b0044cfa856e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ebb5e396e7f8484685c6ce27c6d785bf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf827d570b5a438cbdfc2aec32b904d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38886927b48e4b04a6d6f82035b2ee98.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bebc1009b3664eef8081fefe3614f233.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e339a0a539b4a4d87f365619cf0c479.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SEL R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46258.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm3tm143770/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm3tm143770/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM3TM143770.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM3TM143770.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM3TM143770.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm3tm143770/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #TM143770, VIN 3VVUW7RM3TM143770. Advertised price: $46,258. 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": "$46,258"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46258.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM3TM143770_finance_60", "type": "finance_60", "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": 46258.0, "price_incl_doc": 46258.0, "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": 938.58, "amount_financed": 49149.13, "sales_tax": 2891.13, "total_of_payments": 56314.72, "finance_charge": 7165.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM143770, VIN 3VVUW7RM3TM143770. $939 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,258, before any dealer documentation fee. Amount financed $49,149, including $2,891 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,315. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM3TM143770_finance_72", "type": "finance_72", "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": 46258.0, "price_incl_doc": 46258.0, "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": 814.31, "amount_financed": 49149.13, "sales_tax": 2891.13, "total_of_payments": 58630.39, "finance_charge": 9481.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM143770, VIN 3VVUW7RM3TM143770. $814 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,258, before any dealer documentation fee. Amount financed $49,149, including $2,891 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,630. 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_3VVUW7RM3TM143770_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46258.0, "price_incl_doc": 46258.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 729.6, "amount_financed": 49149.13, "sales_tax": 2891.13, "total_of_payments": 61286.31, "finance_charge": 12137.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM143770, VIN 3VVUW7RM3TM143770. $730 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,258, before any dealer documentation fee. Amount financed $49,149, including $2,891 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,286. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM3TM143770_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": 46258.0, "selling_price": 46258.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 659.23, "net_cap_cost": 46933.0, "residual_value": 28679.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 659.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 819.23}, "total_of_payments": 23724, "total_of_payments_unrounded": 23732.28}, "disclosure": "Estimated lease payment for stock #TM143770, VIN 3VVUW7RM3TM143770. $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 $46,258. Lease selling price $46,258. Net capitalized cost $46,933. Residual value $28,680, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVUW7RM3TM143770_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": 46258.0, "selling_price": 46258.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 565.93, "net_cap_cost": 43934.0, "residual_value": 28679.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3724.93}, "total_of_payments": 20376, "total_of_payments_unrounded": 20373.48}, "disclosure": "Estimated lease payment for stock #TM143770, VIN 3VVUW7RM3TM143770. $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 $46,258. Lease selling price $46,258. Net capitalized cost $43,934. Residual value $28,680, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 250}}, {"vin": "1FTEW1EPXLFB80895", "title": "2020 Ford F-150 XL", "year": 2020, "make": "Ford", "model": "F-150", "trim": "XL", "decoded_trim": null, "condition": "used", "price": 22992.0, "msrp": 22992.0, "sale_price": 23402.0, "currency": "USD", "mileage": 91019, "exterior_color": "Black Metallic", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular 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"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": "$22,992"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22992.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FTEW1EPXLFB80895_finance_48", "type": "finance_48", "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": 22992.0, "price_incl_doc": 22992.0, "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": 573.6, "amount_financed": 24429.0, "sales_tax": 1437.0, "total_of_payments": 27532.98, "finance_charge": 3103.98, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262633A, VIN 1FTEW1EPXLFB80895. $574 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,992, before any dealer documentation fee. Amount financed $24,429, including $1,437 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,533. 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_1FTEW1EPXLFB80895_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22992.0, "price_incl_doc": 22992.0, "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": 477.87, "amount_financed": 24429.0, "sales_tax": 1437.0, "total_of_payments": 28672.02, "finance_charge": 4243.02, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262633A, VIN 1FTEW1EPXLFB80895. $478 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,992, before any dealer documentation fee. Amount financed $24,429, including $1,437 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,672. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTEW1EPXLFB80895_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22992.0, "price_incl_doc": 22992.0, "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": 416.37, "amount_financed": 24429.0, "sales_tax": 1437.0, "total_of_payments": 29978.85, "finance_charge": 5549.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262633A, VIN 1FTEW1EPXLFB80895. $416 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,992, before any dealer documentation fee. Amount financed $24,429, including $1,437 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,979. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 #TM142925, VIN 3VVBR7RM3TM142925. Advertised price: $34,381. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,381"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34381.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM3TM142925_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": 34381.0, "price_incl_doc": 34381.0, "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": 697.59, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 41855.59, "finance_charge": 5325.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM142925, VIN 3VVBR7RM3TM142925. $698 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,856. 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_3VVBR7RM3TM142925_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": 34381.0, "price_incl_doc": 34381.0, "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": 605.23, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 43576.71, "finance_charge": 7046.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM142925, VIN 3VVBR7RM3TM142925. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,577. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM3TM142925_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": 34381.0, "price_incl_doc": 34381.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 542.27, "amount_financed": 36529.81, "sales_tax": 2148.81, "total_of_payments": 45550.7, "finance_charge": 9020.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TM142925, VIN 3VVBR7RM3TM142925. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,381, before any dealer documentation fee. Amount financed $36,530, including $2,149 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,551. 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_3VVBR7RM3TM142925_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": 34381.0, "selling_price": 34381.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.36, "net_cap_cost": 35056.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 655.36}, "total_of_payments": 17820, "total_of_payments_unrounded": 17832.96}, "disclosure": "Estimated lease payment for stock #TM142925, VIN 3VVBR7RM3TM142925. $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 $34,381. Lease selling price $34,381. Net capitalized cost $35,056. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVBR7RM3TM142925_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": 34381.0, "selling_price": 34381.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 402.07, "net_cap_cost": 32057.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 402.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3561.07}, "total_of_payments": 14472, "total_of_payments_unrounded": 14474.52}, "disclosure": "Estimated lease payment for stock #TM142925, VIN 3VVBR7RM3TM142925. $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 $34,381. 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"https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU6TM033731.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU6TM033731.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU6TM033731.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu6tm033731/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,139. This offer applies to Stock #W4357, VIN 3VWBW7BU6TM033731. 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: $27,626. Advertised price: $25,487. 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": "$27,626"}, {"label": "Advertised price", "value": "$25,487"}, {"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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25487.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU6TM033731_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": 25487.0, "price_incl_doc": 25487.0, "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": 517.13, "amount_financed": 27079.94, "sales_tax": 1592.94, "total_of_payments": 31028.0, "finance_charge": 3948.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4357, VIN 3VWBW7BU6TM033731. $517 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,487, before any dealer documentation fee. Amount financed $27,080, including $1,593 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,028. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU6TM033731_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": 25487.0, "price_incl_doc": 25487.0, "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": 448.66, "amount_financed": 27079.94, "sales_tax": 1592.94, "total_of_payments": 32303.88, "finance_charge": 5223.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4357, VIN 3VWBW7BU6TM033731. $449 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,487, before any dealer documentation fee. Amount financed $27,080, including $1,593 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,304. 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_3VWBW7BU6TM033731_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25487.0, "price_incl_doc": 25487.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 401.99, "amount_financed": 27079.94, "sales_tax": 1592.94, "total_of_payments": 33767.22, "finance_charge": 6687.28, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4357, VIN 3VWBW7BU6TM033731. $402 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,487, before any dealer documentation fee. Amount financed $27,080, including $1,593 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,767. 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_3VWBW7BU6TM033731_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 336, "unit": "per_month", "display": "$336/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25487.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 335.62, "net_cap_cost": 26162.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 335.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 495.62}, "total_of_payments": 12096, "total_of_payments_unrounded": 12082.32}, "disclosure": "Estimated lease payment for stock #W4357, VIN 3VWBW7BU6TM033731. $336 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $496, made up of $336 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,487. Net capitalized cost $26,162. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,096. 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_3VWBW7BU6TM033731_lease", "type": "lease", "label": "Lease", "headline": {"value": 242, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25487.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 242.33, "net_cap_cost": 23163.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 242.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3401.33}, "total_of_payments": 8712, "total_of_payments_unrounded": 8723.88}, "disclosure": "Estimated lease payment for stock #W4357, VIN 3VWBW7BU6TM033731. $242 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,401, made up of $242 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,487. Net capitalized cost $23,163. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,712. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu4tm059471/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,087. This offer applies to Stock #W4534, VIN 3VWBW7BU4TM059471. 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: $27,330. Advertised price: $25,243. Savings: $2,087, 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": "$27,330"}, {"label": "Advertised price", "value": "$25,243"}, {"label": "Savings", "value": "$2,087, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,087", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25243.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU4TM059471_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25243.0, "price_incl_doc": 25243.0, "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": 512.18, "amount_financed": 26820.69, "sales_tax": 1577.69, "total_of_payments": 30730.95, "finance_charge": 3910.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4534, VIN 3VWBW7BU4TM059471. $512 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,243, before any dealer documentation fee. Amount financed $26,821, including $1,578 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,731. 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_3VWBW7BU4TM059471_finance_72", "type": "finance_72", "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": 25243.0, "price_incl_doc": 25243.0, "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": 444.37, "amount_financed": 26820.69, "sales_tax": 1577.69, "total_of_payments": 31994.62, "finance_charge": 5173.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4534, VIN 3VWBW7BU4TM059471. $444 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,243, before any dealer documentation fee. Amount financed $26,821, including $1,578 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,995. 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_3VWBW7BU4TM059471_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25243.0, "price_incl_doc": 25243.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 398.14, "amount_financed": 26820.69, "sales_tax": 1577.69, "total_of_payments": 33443.95, "finance_charge": 6623.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4534, VIN 3VWBW7BU4TM059471. $398 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,243, before any dealer documentation fee. Amount financed $26,821, including $1,578 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,444. 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_3VWBW7BU4TM059471_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27330.0, "selling_price": 25243.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 333.15, "net_cap_cost": 25918.0, "residual_value": 16944.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 333.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 493.15}, "total_of_payments": 11988, "total_of_payments_unrounded": 11993.4}, "disclosure": "Estimated lease payment for stock #W4534, VIN 3VWBW7BU4TM059471. $333 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $493, made up of $333 first payment, $60 title, $100 registration. MSRP $27,330. Lease selling price $25,243. Net capitalized cost $25,918. Residual value $16,945, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU4TM059471_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27330.0, "selling_price": 25243.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 239.86, "net_cap_cost": 22919.0, "residual_value": 16944.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 239.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3398.86}, "total_of_payments": 8640, "total_of_payments_unrounded": 8634.96}, "disclosure": "Estimated lease payment for stock #W4534, VIN 3VWBW7BU4TM059471. $240 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,399, made up of $240 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,330. Lease selling price $25,243. Net capitalized cost $22,919. Residual value $16,945, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,640. 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"}], "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": 34380.0, "price_incl_doc": 34380.0, "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": 857.71, "amount_financed": 36528.75, "sales_tax": 2148.75, "total_of_payments": 41170.14, "finance_charge": 4641.39, "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. $858 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,380, before any dealer documentation fee. Amount financed $36,529, including $2,149 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,170. 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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 48697.0, "price_incl_doc": 48697.0, "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": 988.07, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 59283.96, "finance_charge": 7543.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4664, VIN 1V2HN2CA4TC586305. $988 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,284. 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_1V2HN2CA4TC586305_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 857, "unit": "per_month", "display": "$857/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48697.0, "price_incl_doc": 48697.0, "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": 857.25, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 61721.73, "finance_charge": 9981.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4664, VIN 1V2HN2CA4TC586305. $857 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,722. 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_1V2HN2CA4TC586305_finance_84", "type": "finance_84", "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": 48697.0, "price_incl_doc": 48697.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 768.07, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 64517.69, "finance_charge": 12777.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4664, VIN 1V2HN2CA4TC586305. $768 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,518. 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_1V2HN2CA4TC586305_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": 48697.0, "selling_price": 48697.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 692.88, "net_cap_cost": 49372.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 692.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 852.88}, "total_of_payments": 24948, "total_of_payments_unrounded": 24943.68}, "disclosure": "Estimated lease payment for stock #W4664, VIN 1V2HN2CA4TC586305. $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 $48,697. Lease selling price $48,697. Net capitalized cost $49,372. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA4TC586305_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": 48697.0, "selling_price": 48697.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 599.59, "net_cap_cost": 46373.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 599.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3758.59}, "total_of_payments": 21600, "total_of_payments_unrounded": 21585.24}, "disclosure": "Estimated lease payment for stock #W4664, VIN 1V2HN2CA4TC586305. $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 $48,697. Lease selling price $48,697. Net capitalized cost $46,373. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 235}}, {"vin": "KMUHEESC7SU278055", "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": 66291.0, "msrp": 66291.0, "sale_price": 66711.0, "currency": "USD", "mileage": 14453, "exterior_color": "Uyuni White", "interior_color": "Glacier White/Blue", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 66291.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmuheesc7su278055/2025-genesis-gv80-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmuheesc7su278055/2025-genesis-gv80-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KMUHEESC7SU278055.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KMUHEESC7SU278055.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KMUHEESC7SU278055.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/kmuheesc7su278055/2025-genesis-gv80-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #GD261258A, VIN KMUHEESC7SU278055. Advertised price: $66,291. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$66,291"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 66291.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1654, "unit": "per_month", "display": "$1,654/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": 66291.0, "price_incl_doc": 66291.0, "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": 1653.83, "amount_financed": 70434.19, "sales_tax": 4143.19, "total_of_payments": 79383.65, "finance_charge": 8949.46, "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. $1,654 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $66,291, before any dealer documentation fee. Amount financed $70,434, including $4,143 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $79,384. 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_KMUHEESC7SU278055_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1378, "unit": "per_month", "display": "$1,378/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": 66291.0, "price_incl_doc": 66291.0, "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": 1377.8, "amount_financed": 70434.19, "sales_tax": 4143.19, "total_of_payments": 82667.75, "finance_charge": 12233.56, "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. $1,378 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $66,291, before any dealer documentation fee. Amount financed $70,434, including $4,143 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $82,668. 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_KMUHEESC7SU278055_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1200, "unit": "per_month", "display": "$1,200/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 66291.0, "price_incl_doc": 66291.0, "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": 1200.49, "amount_financed": 70434.19, "sales_tax": 4143.19, "total_of_payments": 86435.62, "finance_charge": 16001.43, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261258A, VIN KMUHEESC7SU278055. $1,200 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $66,291, before any dealer documentation fee. Amount financed $70,434, including $4,143 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $86,436. 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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23524.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 23524.0, "price_incl_doc": 23524.0, "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": 586.88, "amount_financed": 24994.25, "sales_tax": 1470.25, "total_of_payments": 28170.05, "finance_charge": 3175.8, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262810A, VIN JTJDZKCA2J2000270. $587 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,524, before any dealer documentation fee. Amount financed $24,994, including $1,470 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,170. 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_JTJDZKCA2J2000270_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": 23524.0, "price_incl_doc": 23524.0, "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": 488.92, "amount_financed": 24994.25, "sales_tax": 1470.25, "total_of_payments": 29335.45, "finance_charge": 4341.2, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262810A, VIN JTJDZKCA2J2000270. $489 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,524, before any dealer documentation fee. Amount financed $24,994, including $1,470 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,335. 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_7SAYGAEEXNF567014_finance_60", "type": "finance_60", "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. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8hfcab0tu383000/2026-hyundai-kona-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KM8HFCAB0TU383000.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KM8HFCAB0TU383000.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KM8HFCAB0TU383000.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8hfcab0tu383000/2026-hyundai-kona-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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": "$26,770"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26770.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8HFCAB0TU383000_finance_48", "type": "finance_48", "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": 26770.0, "price_incl_doc": 26770.0, "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": 667.86, "amount_financed": 28443.13, "sales_tax": 1673.13, "total_of_payments": 32057.15, "finance_charge": 3614.02, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260343, VIN KM8HFCAB0TU383000. $668 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,770, before any dealer documentation fee. Amount financed $28,443, including $1,673 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,057. 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_KM8HFCAB0TU383000_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": 26770.0, "price_incl_doc": 26770.0, "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": 556.39, "amount_financed": 28443.13, "sales_tax": 1673.13, "total_of_payments": 33383.36, "finance_charge": 4940.23, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260343, VIN KM8HFCAB0TU383000. $556 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,770, before any dealer documentation fee. Amount financed $28,443, including $1,673 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,383. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8HFCAB0TU383000_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": 26770.0, "price_incl_doc": 26770.0, "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": 484.79, "amount_financed": 28443.13, "sales_tax": 1673.13, "total_of_payments": 34904.92, "finance_charge": 6461.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260343, VIN KM8HFCAB0TU383000. $485 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,770, before any dealer documentation fee. Amount financed $28,443, including $1,673 estimated sales tax at 6.25%. That is $17.04 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"}], "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": 174}}, {"vin": "3VWBW7BU5TM076909", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 26995.0, "msrp": 26995.0, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Platinum Gray Metallic", "interior_color": null, "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262161", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5a69df9e51214af78d5333c8ec5e7beb.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5a69df9e51214af78d5333c8ec5e7beb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55327ab563564e89bc149d9e77ee6aaa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa8ab3bf56644d2b980898ef12f8dc2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/650db77509ff41c5bd0b61e1241c8c91.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6feb50d5068447f9649adf542613738.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/287dd8ed5f734fd3b66099f928568885.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/358f2567f48146bf9c41d65ee40b78f9.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Jetta", "year": 2026, "trim": "Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26995.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu5tm076909/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu5tm076909/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU5TM076909.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU5TM076909.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU5TM076909.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu5tm076909/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262161, VIN 3VWBW7BU5TM076909. Advertised price: $26,995. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$26,995"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26995.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU5TM076909_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": 26995.0, "price_incl_doc": 26995.0, "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": 547.73, "amount_financed": 28682.19, "sales_tax": 1687.19, "total_of_payments": 32863.85, "finance_charge": 4181.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262161, VIN 3VWBW7BU5TM076909. $548 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,995, before any dealer documentation fee. Amount financed $28,682, including $1,687 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,864. 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_3VWBW7BU5TM076909_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": 26995.0, "price_incl_doc": 26995.0, "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": 475.21, "amount_financed": 28682.19, "sales_tax": 1687.19, "total_of_payments": 34215.22, "finance_charge": 5533.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262161, VIN 3VWBW7BU5TM076909. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,995, before any dealer documentation fee. Amount financed $28,682, including $1,687 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,215. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU5TM076909_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": 26995.0, "price_incl_doc": 26995.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.78, "amount_financed": 28682.19, "sales_tax": 1687.19, "total_of_payments": 35765.14, "finance_charge": 7082.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262161, VIN 3VWBW7BU5TM076909. $426 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,995, before any dealer documentation fee. Amount financed $28,682, including $1,687 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,765. 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_3VWBW7BU5TM076909_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26995.0, "selling_price": 26995.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 393.45, "net_cap_cost": 27670.0, "residual_value": 16736.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 393.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 553.45}, "total_of_payments": 14148, "total_of_payments_unrounded": 14164.2}, "disclosure": "Estimated lease payment for stock #VD262161, VIN 3VWBW7BU5TM076909. $393 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $553, made up of $393 first payment, $60 title, $100 registration. MSRP $26,995. Lease selling price $26,995. Net capitalized cost $27,670. Residual value $16,737, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU5TM076909_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26995.0, "selling_price": 26995.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 300.16, "net_cap_cost": 24671.0, "residual_value": 16736.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 300.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3459.16}, "total_of_payments": 10800, "total_of_payments_unrounded": 10805.76}, "disclosure": "Estimated lease payment for stock #VD262161, VIN 3VWBW7BU5TM076909. $300 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,459, made up of $300 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,995. Lease selling price $26,995. Net capitalized cost $24,671. Residual value $16,737, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,800. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 224}}, {"vin": "1V2DNPE82PC034104", "title": "2023 Volkswagen ID.4 Pro", "year": 2023, "make": "Volkswagen", "model": "ID.4", "trim": "Pro", "decoded_trim": "Pro", "condition": "used", "price": 24659.0, "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, 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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: $24,659. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$24,659"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24659.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 24659.0, "price_incl_doc": 24659.0, "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": 615.19, "amount_financed": 26200.19, "sales_tax": 1541.19, "total_of_payments": 29529.22, "finance_charge": 3329.03, "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. $615 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,659, before any dealer documentation fee. Amount financed $26,200, including $1,541 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,529. 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": 16, "validator_version": "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": 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": 24659.0, "price_incl_doc": 24659.0, "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": 512.51, "amount_financed": 26200.19, "sales_tax": 1541.19, "total_of_payments": 30750.85, "finance_charge": 4550.66, "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. $513 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,659, before any dealer documentation fee. Amount financed $26,200, including $1,541 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,751. 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_1V2DNPE82PC034104_finance_72", "type": "finance_72", "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": 24659.0, "price_incl_doc": 24659.0, "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": 446.56, "amount_financed": 26200.19, "sales_tax": 1541.19, "total_of_payments": 32152.42, "finance_charge": 5952.23, "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. $447 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,659, before any dealer documentation fee. Amount financed $26,200, including $1,541 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,152. 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"}], "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 $3,250. This offer applies to Stock #W4385X, VIN 3VVBR7RMXTM056334. 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: $34,681. Advertised price: $31,431. Savings: $3,250, 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": "$34,681"}, {"label": "Advertised price", "value": "$31,431"}, {"label": "Savings", "value": "$3,250, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,250", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31431.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RMXTM056334_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": 31431.0, "price_incl_doc": 31431.0, "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": 637.74, "amount_financed": 33395.44, "sales_tax": 1964.44, "total_of_payments": 38264.26, "finance_charge": 4868.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4385X, VIN 3VVBR7RMXTM056334. $638 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,431, before any dealer documentation fee. Amount financed $33,395, including $1,964 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,264. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RMXTM056334_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": 31431.0, "price_incl_doc": 31431.0, "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": 553.3, "amount_financed": 33395.44, "sales_tax": 1964.44, "total_of_payments": 39837.69, "finance_charge": 6442.25, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4385X, VIN 3VVBR7RMXTM056334. $553 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,431, before any dealer documentation fee. Amount financed $33,395, including $1,964 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,838. 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_3VVBR7RMXTM056334_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": 31431.0, "price_incl_doc": 31431.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 495.74, "amount_financed": 33395.44, "sales_tax": 1964.44, "total_of_payments": 41642.31, "finance_charge": 8246.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4385X, VIN 3VVBR7RMXTM056334. $496 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,431, before any dealer documentation fee. Amount financed $33,395, including $1,964 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,642. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RMXTM056334_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": 34681.0, "selling_price": 31431.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.4, "net_cap_cost": 32106.0, "residual_value": 21502.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 558.4}, "total_of_payments": 14328, "total_of_payments_unrounded": 14342.4}, "disclosure": "Estimated lease payment for stock #W4385X, VIN 3VVBR7RMXTM056334. $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 $34,681. Lease selling price $31,431. Net capitalized cost $32,106. Residual value $21,502, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVBR7RMXTM056334_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": 34681.0, "selling_price": 31431.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 305.11, "net_cap_cost": 29107.0, "residual_value": 21502.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 305.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3464.11}, "total_of_payments": 10980, "total_of_payments_unrounded": 10983.96}, "disclosure": "Estimated lease payment for stock #W4385X, VIN 3VVBR7RMXTM056334. $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 $34,681. Lease selling price $31,431. Net capitalized cost $29,107. Residual value $21,502, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51021.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca7tc554927/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca7tc554927/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA7TC554927.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,007. This offer applies to Stock #NRVD262137, VIN 1V2CN2CA7TC554927. 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: $51,021. Advertised price: $45,014. Savings: $6,007, 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": "$51,021"}, {"label": "Advertised price", "value": "$45,014"}, {"label": "Savings", "value": "$6,007, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,007", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45014.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA7TC554927_finance_60", "type": "finance_60", "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": 45014.0, "price_incl_doc": 45014.0, "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": 913.34, "amount_financed": 47827.38, "sales_tax": 2813.38, "total_of_payments": 54800.27, "finance_charge": 6972.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262137, VIN 1V2CN2CA7TC554927. $913 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,014, before any dealer documentation fee. Amount financed $47,827, including $2,813 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,800. 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_1V2CN2CA7TC554927_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 792, "unit": "per_month", "display": "$792/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45014.0, "price_incl_doc": 45014.0, "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": 792.41, "amount_financed": 47827.38, "sales_tax": 2813.38, "total_of_payments": 57053.67, "finance_charge": 9226.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262137, VIN 1V2CN2CA7TC554927. $792 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,014, before any dealer documentation fee. Amount financed $47,827, including $2,813 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA7TC554927_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": 45014.0, "price_incl_doc": 45014.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.98, "amount_financed": 47827.38, "sales_tax": 2813.38, "total_of_payments": 59638.16, "finance_charge": 11810.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262137, VIN 1V2CN2CA7TC554927. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,014, before any dealer documentation fee. Amount financed $47,827, including $2,813 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,638. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA7TC554927_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51021.0, "selling_price": 45014.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 538.08, "net_cap_cost": 45689.0, "residual_value": 31633.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 538.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 698.08}, "total_of_payments": 19368, "total_of_payments_unrounded": 19370.88}, "disclosure": "Estimated lease payment for stock #NRVD262137, VIN 1V2CN2CA7TC554927. $538 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $698, made up of $538 first payment, $60 title, $100 registration. MSRP $51,021. Lease selling price $45,014. Net capitalized cost $45,689. Residual value $31,633, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA7TC554927_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51021.0, "selling_price": 45014.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 444.79, "net_cap_cost": 42690.0, "residual_value": 31633.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 444.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3603.79}, "total_of_payments": 16020, "total_of_payments_unrounded": 16012.44}, "disclosure": "Estimated lease payment for stock #NRVD262137, VIN 1V2CN2CA7TC554927. $445 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,604, made up of $445 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,021. Lease selling price $45,014. Net capitalized cost $42,690. Residual value $31,633, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 221}}, {"vin": "1V2CN2CA5TC579034", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 51083.0, "msrp": 51083.0, "sale_price": 45448.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White Pearl", "interior_color": "BLACK LEATHERE", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4673", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/0274c26a437740c0b429065f5778bb03.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/0274c26a437740c0b429065f5778bb03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df44ed8d237e4817ab68201767587411.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5dd09abafad49cc8dd9b59cebeddf6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df10fcc1d3df49fda357d6df5500b96b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae13679570474e7aadb9ace7691f2270.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4287b0d69fa54bd6afb1ffd4e6fa695f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30e526c977494d1eb3258d8c257c50b5.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion Peak Edition SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51083.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc579034/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc579034/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA5TC579034.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA5TC579034.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA5TC579034.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc579034/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4673, VIN 1V2CN2CA5TC579034. Advertised price: $51,083. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$51,083"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51083.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA5TC579034_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1036, "unit": "per_month", "display": "$1,036/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "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": 1036.48, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 62188.7, "finance_charge": 7913.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4673, VIN 1V2CN2CA5TC579034. $1,036 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC579034_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 899, "unit": "per_month", "display": "$899/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "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": 899.25, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 64745.91, "finance_charge": 10470.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4673, VIN 1V2CN2CA5TC579034. $899 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC579034_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 805.7, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 67678.86, "finance_charge": 13403.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4673, VIN 1V2CN2CA5TC579034. $806 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,679. 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_1V2CN2CA5TC579034_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 51083.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 725.8, "net_cap_cost": 51758.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 725.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 885.8}, "total_of_payments": 26136, "total_of_payments_unrounded": 26128.8}, "disclosure": "Estimated lease payment for stock #W4673, VIN 1V2CN2CA5TC579034. $726 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $886, made up of $726 first payment, $60 title, $100 registration. MSRP $51,083. Lease selling price $51,083. Net capitalized cost $51,758. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,136. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC579034_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 51083.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 632.51, "net_cap_cost": 48759.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 632.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3791.51}, "total_of_payments": 22788, "total_of_payments_unrounded": 22770.36}, "disclosure": "Estimated lease payment for stock #W4673, VIN 1V2CN2CA5TC579034. $633 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,792, made up of $633 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,083. Lease selling price $51,083. Net capitalized cost $48,759. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 203}}, {"vin": "KMTGF4SD3TU300165", "title": "2026 Genesis G80 3.5T Prestige Black", "year": 2026, "make": "Genesis", "model": "G80", "trim": "3.5T Prestige Black", "decoded_trim": "3.5T Prestige Black", "condition": "used", "price": 73499.0, "msrp": 73499.0, "sale_price": 74499.0, "currency": "USD", "mileage": 5739, "exterior_color": "Vik Black", "interior_color": "Obsidian Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"https://ai.castlevwdownersgrove.com/v/3VW7W7BU8TM050746.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU8TM050746.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu8tm050746/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,495. This offer applies to Stock #NRVD261952, VIN 3VW7W7BU8TM050746. 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: $29,186. Advertised price: $26,691. Savings: $2,495, 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": "$29,186"}, {"label": "Advertised price", "value": "$26,691"}, {"label": "Savings", "value": "$2,495, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,495", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26691.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU8TM050746_finance_60", "type": "finance_60", "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": 26691.0, "price_incl_doc": 26691.0, "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": 541.56, "amount_financed": 28359.19, "sales_tax": 1668.19, "total_of_payments": 32493.76, "finance_charge": 4134.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261952, VIN 3VW7W7BU8TM050746. $542 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,691, before any dealer documentation fee. Amount financed $28,359, including $1,668 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,494. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU8TM050746_finance_72", "type": "finance_72", "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": 26691.0, "price_incl_doc": 26691.0, "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": 469.86, "amount_financed": 28359.19, "sales_tax": 1668.19, "total_of_payments": 33829.91, "finance_charge": 5470.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261952, VIN 3VW7W7BU8TM050746. $470 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,691, before any dealer documentation fee. Amount financed $28,359, including $1,668 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,830. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU8TM050746_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26691.0, "price_incl_doc": 26691.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.98, "amount_financed": 28359.19, "sales_tax": 1668.19, "total_of_payments": 35362.38, "finance_charge": 7003.19, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261952, VIN 3VW7W7BU8TM050746. $421 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,691, before any dealer documentation fee. Amount financed $28,359, including $1,668 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,362. 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_3VW7W7BU8TM050746_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": 29186.0, "selling_price": 26691.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 346.07, "net_cap_cost": 27366.0, "residual_value": 18095.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 346.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 506.07}, "total_of_payments": 12456, "total_of_payments_unrounded": 12458.52}, "disclosure": "Estimated lease payment for stock #NRVD261952, VIN 3VW7W7BU8TM050746. $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 $29,186. Lease selling price $26,691. Net capitalized cost $27,366. Residual value $18,095, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VW7W7BU8TM050746_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": 29186.0, "selling_price": 26691.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 252.78, "net_cap_cost": 24367.0, "residual_value": 18095.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 252.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3411.78}, "total_of_payments": 9108, "total_of_payments_unrounded": 9100.08}, "disclosure": "Estimated lease payment for stock #NRVD261952, VIN 3VW7W7BU8TM050746. $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 $29,186. Lease selling price $26,691. Net capitalized cost $24,367. Residual value $18,095, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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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 #VD262312, VIN 3VVUW7RM7TM127569. Advertised price: $45,566. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$45,566"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45566.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM7TM127569_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 925, "unit": "per_month", "display": "$925/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45566.0, "price_incl_doc": 45566.0, "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": 924.54, "amount_financed": 48413.88, "sales_tax": 2847.88, "total_of_payments": 55472.28, "finance_charge": 7058.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262312, VIN 3VVUW7RM7TM127569. $925 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,566, before any dealer documentation fee. Amount financed $48,414, including $2,848 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,472. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM7TM127569_finance_72", "type": "finance_72", "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": 45566.0, "price_incl_doc": 45566.0, "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": 802.13, "amount_financed": 48413.88, "sales_tax": 2847.88, "total_of_payments": 57753.31, "finance_charge": 9339.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262312, VIN 3VVUW7RM7TM127569. $802 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,566, before any dealer documentation fee. Amount financed $48,414, including $2,848 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,753. 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_3VVUW7RM7TM127569_finance_84", "type": "finance_84", "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": 45566.0, "price_incl_doc": 45566.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.68, "amount_financed": 48413.88, "sales_tax": 2847.88, "total_of_payments": 60369.5, "finance_charge": 11955.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262312, VIN 3VVUW7RM7TM127569. $719 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,566, before any dealer documentation fee. Amount financed $48,414, including $2,848 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM7TM127569_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45566.0, "selling_price": 45566.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 649.68, "net_cap_cost": 46241.0, "residual_value": 28250.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 649.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 809.68}, "total_of_payments": 23400, "total_of_payments_unrounded": 23388.48}, "disclosure": "Estimated lease payment for stock #VD262312, VIN 3VVUW7RM7TM127569. $650 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $810, made up of $650 first payment, $60 title, $100 registration. MSRP $45,566. Lease selling price $45,566. Net capitalized cost $46,241. Residual value $28,251, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,400. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM7TM127569_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45566.0, "selling_price": 45566.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 556.39, "net_cap_cost": 43242.0, "residual_value": 28250.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3715.39}, "total_of_payments": 20016, "total_of_payments_unrounded": 20030.04}, "disclosure": "Estimated lease payment for stock #VD262312, VIN 3VVUW7RM7TM127569. $556 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,715, made up of $556 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,566. Lease selling price $45,566. Net capitalized cost $43,242. Residual value $28,251, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,016. 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": 200}}, {"vin": "1V2KN2CA3TC575866", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44956.0, "msrp": 49993.0, "sale_price": 44956.0, "currency": "USD", "mileage": 6, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4543", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 50, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/4649dcef494f49a998720484e183118d.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/4649dcef494f49a998720484e183118d.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/9d9440fb02ce49e7af2f1b9d66cd6614.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/fa39cba2ffde407197123c31c2a4b89a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/6413fad8712443a78a238f2b241124ae.jpg", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca3tc575866/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA3TC575866.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA3TC575866.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA3TC575866.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca3tc575866/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,037. This offer applies to Stock #W4543, VIN 1V2KN2CA3TC575866. 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: $49,993. Advertised price: $44,956. Savings: $5,037, 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": "$49,993"}, {"label": "Advertised price", "value": "$44,956"}, {"label": "Savings", "value": "$5,037, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,037", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_1V2KN2CA3TC575866_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 912, "unit": "per_month", "display": "$912/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 912.16, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 54729.65, "finance_charge": 6963.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4543, VIN 1V2KN2CA3TC575866. $912 per month for 60 months at 5.49% 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 $19.10 per $1,000 financed. Total of payments $54,730. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC575866_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 791, "unit": "per_month", "display": "$791/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 791.39, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 56980.15, "finance_charge": 9214.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4543, VIN 1V2KN2CA3TC575866. $791 per month for 72 months at 5.99% 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 $16.57 per $1,000 financed. Total of payments $56,980. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC575866_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 #W4543, VIN 1V2KN2CA3TC575866. $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_1V2KN2CA3TC575866_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49993.0, "selling_price": 44956.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 554.07, "net_cap_cost": 45631.0, "residual_value": 30995.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 554.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 714.07}, "total_of_payments": 19944, "total_of_payments_unrounded": 19946.52}, "disclosure": "Estimated lease payment for stock #W4543, VIN 1V2KN2CA3TC575866. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $49,993. Lease selling price $44,956. Net capitalized cost $45,631. Residual value $30,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC575866_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49993.0, "selling_price": 44956.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.78, "net_cap_cost": 42632.0, "residual_value": 30995.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.78}, "total_of_payments": 16596, "total_of_payments_unrounded": 16588.08}, "disclosure": "Estimated lease payment for stock #W4543, VIN 1V2KN2CA3TC575866. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,993. Lease selling price $44,956. Net capitalized cost $42,632. Residual value $30,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc576172/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA6TC576172.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC576172.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC576172.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc576172/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,552. This offer applies to Stock #NRVD262240, VIN 1V2FN2CA6TC576172. 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: $57,831. Advertised price: $52,279. Savings: $5,552, 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": "$57,831"}, {"label": "Advertised price", "value": "$52,279"}, {"label": "Savings", "value": "$5,552, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,552", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52279.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA6TC576172_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1061, "unit": "per_month", "display": "$1,061/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "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": 1060.75, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 63644.71, "finance_charge": 8098.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262240, VIN 1V2FN2CA6TC576172. $1,061 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,645. 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_1V2FN2CA6TC576172_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "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": 920.3, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 66261.8, "finance_charge": 10715.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262240, VIN 1V2FN2CA6TC576172. $920 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,262. 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_1V2FN2CA6TC576172_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 825, "unit": "per_month", "display": "$825/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 824.56, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 69263.41, "finance_charge": 13716.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262240, VIN 1V2FN2CA6TC576172. $825 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,263. 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_1V2FN2CA6TC576172_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": 57831.0, "selling_price": 52279.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 646.19, "net_cap_cost": 52954.0, "residual_value": 35855.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 646.19, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 806.19}, "total_of_payments": 23256, "total_of_payments_unrounded": 23262.84}, "disclosure": "Estimated lease payment for stock #NRVD262240, VIN 1V2FN2CA6TC576172. $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 $57,831. Lease selling price $52,279. Net capitalized cost $52,954. Residual value $35,855, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA6TC576172_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": 57831.0, "selling_price": 52279.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.9, "net_cap_cost": 49955.0, "residual_value": 35855.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3711.9}, "total_of_payments": 19908, "total_of_payments_unrounded": 19904.4}, "disclosure": "Estimated lease payment for stock #NRVD262240, VIN 1V2FN2CA6TC576172. $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 $57,831. Lease selling price $52,279. Net capitalized cost $49,955. Residual value $35,855, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc577314/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA1TC577314.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA1TC577314.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA1TC577314.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc577314/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,583. This offer applies to Stock #W4557, VIN 1V2CN2CA1TC577314. 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: $50,787. Advertised price: $45,204. Savings: $5,583, 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": "$50,787"}, {"label": "Advertised price", "value": "$45,204"}, {"label": "Savings", "value": "$5,583, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,583", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45204.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA1TC577314_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": 45204.0, "price_incl_doc": 45204.0, "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": 917.19, "amount_financed": 48029.25, "sales_tax": 2825.25, "total_of_payments": 55031.57, "finance_charge": 7002.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4557, VIN 1V2CN2CA1TC577314. $917 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,204, before any dealer documentation fee. Amount financed $48,029, including $2,825 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,032. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA1TC577314_finance_72", "type": "finance_72", "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": 45204.0, "price_incl_doc": 45204.0, "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": 795.76, "amount_financed": 48029.25, "sales_tax": 2825.25, "total_of_payments": 57294.48, "finance_charge": 9265.23, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4557, VIN 1V2CN2CA1TC577314. $796 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,204, before any dealer documentation fee. Amount financed $48,029, including $2,825 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,294. 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_1V2CN2CA1TC577314_finance_84", "type": "finance_84", "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": 45204.0, "price_incl_doc": 45204.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 712.97, "amount_financed": 48029.25, "sales_tax": 2825.25, "total_of_payments": 59889.88, "finance_charge": 11860.63, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4557, VIN 1V2CN2CA1TC577314. $713 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,204, before any dealer documentation fee. Amount financed $48,029, including $2,825 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,890. 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_1V2CN2CA1TC577314_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": 50787.0, "selling_price": 45204.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 548.04, "net_cap_cost": 45879.0, "residual_value": 31487.94, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 548.04, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 708.04}, "total_of_payments": 19728, "total_of_payments_unrounded": 19729.44}, "disclosure": "Estimated lease payment for stock #W4557, VIN 1V2CN2CA1TC577314. $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 $50,787. Lease selling price $45,204. Net capitalized cost $45,879. Residual value $31,488, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA1TC577314_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": 50787.0, "selling_price": 45204.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.75, "net_cap_cost": 42880.0, "residual_value": 31487.94, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.75, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3613.75}, "total_of_payments": 16380, "total_of_payments_unrounded": 16371.0}, "disclosure": "Estimated lease payment for stock #W4557, VIN 1V2CN2CA1TC577314. $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 $50,787. Lease selling price $45,204. Net capitalized cost $42,880. Residual value $31,488, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca1tc503347/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA1TC503347.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA1TC503347.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA1TC503347.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca1tc503347/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,284. This offer applies to Stock #W4025, VIN 1V2HN2CA1TC503347. 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: $47,690. Advertised price: $43,406. Savings: $4,284, 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": "$47,690"}, {"label": "Advertised price", "value": "$43,406"}, {"label": "Savings", "value": "$4,284, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,284", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43406.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA1TC503347_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": 43406.0, "price_incl_doc": 43406.0, "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": 880.71, "amount_financed": 46118.88, "sales_tax": 2712.88, "total_of_payments": 52842.68, "finance_charge": 6723.8, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4025, VIN 1V2HN2CA1TC503347. $881 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,406, before any dealer documentation fee. Amount financed $46,119, including $2,713 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC503347_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": 43406.0, "price_incl_doc": 43406.0, "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": 764.11, "amount_financed": 46118.88, "sales_tax": 2712.88, "total_of_payments": 55015.58, "finance_charge": 8896.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4025, VIN 1V2HN2CA1TC503347. $764 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,406, before any dealer documentation fee. Amount financed $46,119, including $2,713 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,016. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC503347_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": 43406.0, "price_incl_doc": 43406.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.62, "amount_financed": 46118.88, "sales_tax": 2712.88, "total_of_payments": 57507.75, "finance_charge": 11388.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4025, VIN 1V2HN2CA1TC503347. $685 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,406, before any dealer documentation fee. Amount financed $46,119, including $2,713 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,508. 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_1V2HN2CA1TC503347_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47690.0, "selling_price": 43406.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 545.72, "net_cap_cost": 44081.0, "residual_value": 29567.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.72}, "total_of_payments": 19656, "total_of_payments_unrounded": 19645.92}, "disclosure": "Estimated lease payment for stock #W4025, VIN 1V2HN2CA1TC503347. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $47,690. Lease selling price $43,406. Net capitalized cost $44,081. Residual value $29,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA1TC503347_lease", "type": "lease", "label": "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": 47690.0, "selling_price": 43406.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 452.43, "net_cap_cost": 41082.0, "residual_value": 29567.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.43}, "total_of_payments": 16272, "total_of_payments_unrounded": 16287.48}, "disclosure": "Estimated lease payment for stock #W4025, VIN 1V2HN2CA1TC503347. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,690. Lease selling price $43,406. Net capitalized cost $41,082. Residual value $29,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 197}}, {"vin": "3VWBW7BU3TM021049", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 24926.0, "msrp": 26877.0, "sale_price": 24926.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black Pearl", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4260", "stock_status": "Available", "availability": "In Stock", 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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu3tm021049/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU3TM021049.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU3TM021049.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU3TM021049.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu3tm021049/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $1,951. This offer applies to Stock #W4260, VIN 3VWBW7BU3TM021049. 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: $26,877. Advertised price: $24,926. Savings: $1,951, 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": "$26,877"}, {"label": "Advertised price", "value": "$24,926"}, {"label": "Savings", "value": "$1,951, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,951", "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU3TM021049_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "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": 505.75, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 30345.04, "finance_charge": 3861.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4260, VIN 3VWBW7BU3TM021049. $506 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU3TM021049_finance_72", "type": "finance_72", "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": 24926.0, "price_incl_doc": 24926.0, "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": 438.79, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 31592.83, "finance_charge": 5108.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4260, VIN 3VWBW7BU3TM021049. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,593. 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_3VWBW7BU3TM021049_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 393.14, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 33023.97, "finance_charge": 6540.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4260, VIN 3VWBW7BU3TM021049. $393 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,024. 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_3VWBW7BU3TM021049_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 331.13, "net_cap_cost": 25601.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 331.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 491.13}, "total_of_payments": 11916, "total_of_payments_unrounded": 11920.68}, "disclosure": "Estimated lease payment for stock #W4260, VIN 3VWBW7BU3TM021049. $331 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $491, made up of $331 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $25,601. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU3TM021049_lease", "type": "lease", "label": "Lease", "headline": {"value": 238, "unit": "per_month", "display": "$238/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 237.84, "net_cap_cost": 22602.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 237.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3396.84}, "total_of_payments": 8568, "total_of_payments_unrounded": 8562.24}, "disclosure": "Estimated lease payment for stock #W4260, VIN 3VWBW7BU3TM021049. $238 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,397, made up of $238 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $22,602. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,568. 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": [{"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": 19023.0, "price_incl_doc": 19023.0, "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": 395.38, "amount_financed": 20211.94, "sales_tax": 1188.94, "total_of_payments": 23722.51, "finance_charge": 3510.57, "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. $395 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,023, before any dealer documentation fee. Amount financed $20,212, including $1,189 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $23,723. 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_5FNYG1H83PB014114_finance_48", "type": "finance_48", "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": 33735.0, "price_incl_doc": 33735.0, "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": 841.62, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 40397.76, "finance_charge": 4554.32, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1021, VIN 5FNYG1H83PB014114. $842 per month for 48 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 $23.48 per $1,000 financed. Total of payments $40,398. 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_5FNYG1H83PB014114_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": 33735.0, "price_incl_doc": 33735.0, "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": 701.15, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 42069.01, "finance_charge": 6225.57, "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. $701 per month for 60 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 $19.56 per $1,000 financed. Total of payments $42,069. 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_5FNYG1H83PB014114_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": 33735.0, "price_incl_doc": 33735.0, "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": 610.92, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 43986.45, "finance_charge": 8143.01, "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. $611 per month for 72 months at 6.99% 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 $17.04 per $1,000 financed. Total of payments $43,986. 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"}], "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": 23, "elapsed_ms": 143}}, {"vin": "WVWLE7CD8TW282623", "title": "2026 Volkswagen Golf GTI S", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 36670.0, "msrp": 36670.0, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Slate Blue Metallic", "interior_color": null, "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "VD262334", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/7ceadbbba5ec4a9188b13c7e577c7edb.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/7ceadbbba5ec4a9188b13c7e577c7edb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1a9941ec85ff4c438e63c0ce2858f6fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a02afe88067e4b8db101004b288d8c64.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5664e1ce784444b686424a21ca567a9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b13b33eee329454f9a727da1da91cd00.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5c23eccb79c4735aea1b8392470c5a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c9e41b99a4274dff9fde2dcd1dbb0ede.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "S", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36670.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd8tw282623/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd8tw282623/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWLE7CD8TW282623.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD8TW282623.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD8TW282623.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd8tw282623/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262334, VIN WVWLE7CD8TW282623. Advertised price: $36,670. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$36,670"}], "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": "2026-07-26T16:50:37Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36670.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD8TW282623_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 744, "unit": "per_month", "display": "$744/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36670.0, "price_incl_doc": 36670.0, "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": 744.04, "amount_financed": 38961.88, "sales_tax": 2291.88, "total_of_payments": 44642.24, "finance_charge": 5680.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262334, VIN WVWLE7CD8TW282623. $744 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,670, before any dealer documentation fee. Amount financed $38,962, including $2,292 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,642. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD8TW282623_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": 36670.0, "price_incl_doc": 36670.0, "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": 645.53, "amount_financed": 38961.88, "sales_tax": 2291.88, "total_of_payments": 46477.94, "finance_charge": 7516.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262334, VIN WVWLE7CD8TW282623. $646 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,670, before any dealer documentation fee. Amount financed $38,962, including $2,292 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,478. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD8TW282623_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": 36670.0, "price_incl_doc": 36670.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.37, "amount_financed": 38961.88, "sales_tax": 2291.88, "total_of_payments": 48583.36, "finance_charge": 9621.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262334, VIN WVWLE7CD8TW282623. $578 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,670, before any dealer documentation fee. Amount financed $38,962, including $2,292 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,583. 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_WVWLE7CD8TW282623_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": 36670.0, "selling_price": 36670.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.94, "net_cap_cost": 37345.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.94, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.94}, "total_of_payments": 18972, "total_of_payments_unrounded": 18969.84}, "disclosure": "Estimated lease payment for stock #VD262334, VIN WVWLE7CD8TW282623. $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 $36,670. Lease selling price $36,670. Net capitalized cost $37,345. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWLE7CD8TW282623_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": 36670.0, "selling_price": 36670.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.65, "net_cap_cost": 34346.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.65, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.65}, "total_of_payments": 15624, "total_of_payments_unrounded": 15611.4}, "disclosure": "Estimated lease payment for stock #VD262334, VIN WVWLE7CD8TW282623. $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 $36,670. Lease selling price $36,670. Net capitalized cost $34,346. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 30, "elapsed_ms": 265}}, {"vin": "3VVBR7RM2TM044145", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 31254.0, "msrp": 34490.0, "sale_price": 31254.0, "currency": "USD", "mileage": 10, "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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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 $3,236. This offer applies to Stock #W4284, VIN 3VVBR7RM2TM044145. 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: $34,490. Advertised price: $31,254. Savings: $3,236, 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": "$34,490"}, {"label": "Advertised price", "value": "$31,254"}, {"label": "Savings", "value": "$3,236, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,236", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31254.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM2TM044145_finance_60", "type": "finance_60", "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": 31254.0, "price_incl_doc": 31254.0, "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": 634.15, "amount_financed": 33207.38, "sales_tax": 1953.38, "total_of_payments": 38048.78, "finance_charge": 4841.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4284, VIN 3VVBR7RM2TM044145. $634 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,254, before any dealer documentation fee. Amount financed $33,207, including $1,953 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,049. 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_3VVBR7RM2TM044145_finance_72", "type": "finance_72", "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": 31254.0, "price_incl_doc": 31254.0, "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": 550.19, "amount_financed": 33207.38, "sales_tax": 1953.38, "total_of_payments": 39613.35, "finance_charge": 6405.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4284, VIN 3VVBR7RM2TM044145. $550 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,254, before any dealer documentation fee. Amount financed $33,207, including $1,953 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,613. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM2TM044145_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": 31254.0, "price_incl_doc": 31254.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 492.95, "amount_financed": 33207.38, "sales_tax": 1953.38, "total_of_payments": 41407.81, "finance_charge": 8200.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4284, VIN 3VVBR7RM2TM044145. $493 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,254, before any dealer documentation fee. Amount financed $33,207, including $1,953 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,408. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM2TM044145_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34490.0, "selling_price": 31254.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 396.2, "net_cap_cost": 31929.0, "residual_value": 21383.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 556.2}, "total_of_payments": 14256, "total_of_payments_unrounded": 14263.2}, "disclosure": "Estimated lease payment for stock #W4284, VIN 3VVBR7RM2TM044145. $396 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $556, made up of $396 first payment, $60 title, $100 registration. MSRP $34,490. Lease selling price $31,254. Net capitalized cost $31,929. Residual value $21,384, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM2TM044145_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34490.0, "selling_price": 31254.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 302.91, "net_cap_cost": 28930.0, "residual_value": 21383.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 302.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3461.91}, "total_of_payments": 10908, "total_of_payments_unrounded": 10904.76}, "disclosure": "Estimated lease payment for stock #W4284, VIN 3VVBR7RM2TM044145. $303 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,462, made up of $303 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,490. Lease selling price $31,254. Net capitalized cost $28,930. Residual value $21,384, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,908. 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": [{"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 #W4606, VIN 3VW2M7BUXTM063868. Advertised price: $37,476. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$37,476"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37476.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW2M7BUXTM063868_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": 37476.0, "price_incl_doc": 37476.0, "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": 760.39, "amount_financed": 39818.25, "sales_tax": 2342.25, "total_of_payments": 45623.46, "finance_charge": 5805.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4606, VIN 3VW2M7BUXTM063868. $760 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,476, before any dealer documentation fee. Amount financed $39,818, including $2,342 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,623. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW2M7BUXTM063868_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": 37476.0, "price_incl_doc": 37476.0, "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": 659.72, "amount_financed": 39818.25, "sales_tax": 2342.25, "total_of_payments": 47499.51, "finance_charge": 7681.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4606, VIN 3VW2M7BUXTM063868. $660 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,476, before any dealer documentation fee. Amount financed $39,818, including $2,342 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW2M7BUXTM063868_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": 37476.0, "price_incl_doc": 37476.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 591.09, "amount_financed": 39818.25, "sales_tax": 2342.25, "total_of_payments": 49651.21, "finance_charge": 9832.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4606, VIN 3VW2M7BUXTM063868. $591 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,476, before any dealer documentation fee. Amount financed $39,818, including $2,342 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,651. 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_3VW2M7BUXTM063868_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37476.0, "selling_price": 37476.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 538.06, "net_cap_cost": 38151.0, "residual_value": 23235.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 538.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 698.06}, "total_of_payments": 19368, "total_of_payments_unrounded": 19370.16}, "disclosure": "Estimated lease payment for stock #W4606, VIN 3VW2M7BUXTM063868. $538 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $698, made up of $538 first payment, $60 title, $100 registration. MSRP $37,476. Lease selling price $37,476. Net capitalized cost $38,151. Residual value $23,235, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW2M7BUXTM063868_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37476.0, "selling_price": 37476.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 444.77, "net_cap_cost": 35152.0, "residual_value": 23235.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 444.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3603.77}, "total_of_payments": 16020, "total_of_payments_unrounded": 16011.72}, "disclosure": "Estimated lease payment for stock #W4606, VIN 3VW2M7BUXTM063868. $445 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,604, made up of $445 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,476. 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"engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38711.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b29tm046123/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b29tm046123/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV4C7B29TM046123.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B29TM046123.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV4C7B29TM046123.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b29tm046123/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,462. This offer applies to Stock #W4391, VIN 3VV4C7B29TM046123. 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: $38,711. Advertised price: $36,249. Savings: $2,462, 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": "$38,711"}, {"label": "Advertised price", "value": "$36,249"}, {"label": "Savings", "value": "$2,462, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,462", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36249.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B29TM046123_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": 36249.0, "price_incl_doc": 36249.0, "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": 735.5, "amount_financed": 38514.56, "sales_tax": 2265.56, "total_of_payments": 44129.71, "finance_charge": 5615.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4391, VIN 3VV4C7B29TM046123. $736 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,249, before any dealer documentation fee. Amount financed $38,515, including $2,266 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,130. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B29TM046123_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": 36249.0, "price_incl_doc": 36249.0, "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": 638.12, "amount_financed": 38514.56, "sales_tax": 2265.56, "total_of_payments": 45944.33, "finance_charge": 7429.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4391, VIN 3VV4C7B29TM046123. $638 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,249, before any dealer documentation fee. Amount financed $38,515, including $2,266 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,944. 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_3VV4C7B29TM046123_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": 36249.0, "price_incl_doc": 36249.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 571.73, "amount_financed": 38514.56, "sales_tax": 2265.56, "total_of_payments": 48025.58, "finance_charge": 9511.02, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4391, VIN 3VV4C7B29TM046123. $572 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,249, before any dealer documentation fee. Amount financed $38,515, including $2,266 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,026. 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_3VV4C7B29TM046123_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": 38711.0, "selling_price": 36249.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 478.51, "net_cap_cost": 36924.0, "residual_value": 24000.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 478.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 638.51}, "total_of_payments": 17244, "total_of_payments_unrounded": 17226.36}, "disclosure": "Estimated lease payment for stock #W4391, VIN 3VV4C7B29TM046123. $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 $38,711. Lease selling price $36,249. Net capitalized cost $36,924. Residual value $24,001, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV4C7B29TM046123_lease", "type": "lease", "label": "Lease", "headline": {"value": 385, "unit": "per_month", "display": "$385/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38711.0, "selling_price": 36249.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 385.22, "net_cap_cost": 33925.0, "residual_value": 24000.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 385.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3544.22}, "total_of_payments": 13860, "total_of_payments_unrounded": 13867.92}, "disclosure": "Estimated lease payment for stock #W4391, VIN 3VV4C7B29TM046123. $385 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,544, made up of $385 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,711. Lease selling price $36,249. Net capitalized cost $33,925. Residual value $24,001, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,860. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm105294/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm105294/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM105294.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM105294.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM105294.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm105294/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,535. This offer applies to Stock #W4563, VIN 3VVMR7RM6TM105294. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM105294_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4563, VIN 3VVMR7RM6TM105294. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM105294_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4563, VIN 3VVMR7RM6TM105294. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM6TM105294_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4563, VIN 3VVMR7RM6TM105294. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM6TM105294_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4563, VIN 3VVMR7RM6TM105294. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM105294_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4563, VIN 3VVMR7RM6TM105294. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 34, "elapsed_ms": 304}}, {"vin": "1V2BN2CA1TC583125", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 48305.0, "msrp": 53338.0, "sale_price": 48305.0, "currency": "USD", "mileage": 8, "exterior_color": "Opal White 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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4612", "stock_status": "Available", "availability": "In Stock", 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca1tc583125/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA1TC583125.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA1TC583125.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA1TC583125.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca1tc583125/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,033. This offer applies to Stock #W4612, VIN 1V2BN2CA1TC583125. 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: $53,338. Advertised price: $48,305. Savings: $5,033, 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": "$53,338"}, {"label": "Advertised price", "value": "$48,305"}, {"label": "Savings", "value": "$5,033, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,033", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48305.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA1TC583125_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 980, "unit": "per_month", "display": "$980/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48305.0, "price_incl_doc": 48305.0, "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": 980.11, "amount_financed": 51324.06, "sales_tax": 3019.06, "total_of_payments": 58806.74, "finance_charge": 7482.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4612, VIN 1V2BN2CA1TC583125. $980 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,305, before any dealer documentation fee. Amount financed $51,324, including $3,019 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,807. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA1TC583125_finance_72", "type": "finance_72", "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": 48305.0, "price_incl_doc": 48305.0, "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": 850.35, "amount_financed": 51324.06, "sales_tax": 3019.06, "total_of_payments": 61224.89, "finance_charge": 9900.83, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4612, VIN 1V2BN2CA1TC583125. $850 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,305, before any dealer documentation fee. Amount financed $51,324, including $3,019 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,225. 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_1V2BN2CA1TC583125_finance_84", "type": "finance_84", "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": 48305.0, "price_incl_doc": 48305.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.88, "amount_financed": 51324.06, "sales_tax": 3019.06, "total_of_payments": 63998.33, "finance_charge": 12674.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4612, VIN 1V2BN2CA1TC583125. $762 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,305, before any dealer documentation fee. Amount financed $51,324, including $3,019 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,998. 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"}, {"offer_id": "of_1V2BN2CA1TC583125_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 53338.0, "selling_price": 48305.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 600.35, "net_cap_cost": 48980.0, "residual_value": 33069.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 600.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 760.35}, "total_of_payments": 21600, "total_of_payments_unrounded": 21612.6}, "disclosure": "Estimated lease payment for stock #W4612, VIN 1V2BN2CA1TC583125. $600 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $760, made up of $600 first payment, $60 title, $100 registration. MSRP $53,338. Lease selling price $48,305. Net capitalized cost $48,980. Residual value $33,070, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2BN2CA1TC583125_lease", "type": "lease", "label": "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": 53338.0, "selling_price": 48305.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 507.05, "net_cap_cost": 45981.0, "residual_value": 33069.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 507.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3666.05}, "total_of_payments": 18252, "total_of_payments_unrounded": 18253.8}, "disclosure": "Estimated lease payment for stock #W4612, VIN 1V2BN2CA1TC583125. $507 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,666, made up of $507 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,338. Lease selling price $48,305. Net capitalized cost $45,981. Residual value $33,070, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 291}}, {"vin": "1V2KN2CA8TC578522", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44522.0, "msrp": 49931.0, "sale_price": 44522.0, "currency": "USD", "mileage": 10, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262283", "stock_status": "Available", 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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 $5,409. This offer applies to Stock #NRVD262283, VIN 1V2KN2CA8TC578522. 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: $49,931. Advertised price: $44,522. Savings: $5,409, 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": "$49,931"}, {"label": "Advertised price", "value": "$44,522"}, {"label": "Savings", "value": "$5,409, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,409", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44522.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA8TC578522_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44522.0, "price_incl_doc": 44522.0, "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": 903.36, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 54201.3, "finance_charge": 6896.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262283, VIN 1V2KN2CA8TC578522. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA8TC578522_finance_72", "type": "finance_72", "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": 44522.0, "price_incl_doc": 44522.0, "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": 783.75, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 56430.08, "finance_charge": 9125.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262283, VIN 1V2KN2CA8TC578522. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,430. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA8TC578522_finance_84", "type": "finance_84", "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": 44522.0, "price_incl_doc": 44522.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.22, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 58986.32, "finance_charge": 11681.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262283, VIN 1V2KN2CA8TC578522. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,986. 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_1V2KN2CA8TC578522_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.64, "net_cap_cost": 45197.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.64}, "total_of_payments": 19512, "total_of_payments_unrounded": 19499.04}, "disclosure": "Estimated lease payment for stock #NRVD262283, VIN 1V2KN2CA8TC578522. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $45,197. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA8TC578522_lease", "type": "lease", "label": "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": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.35, "net_cap_cost": 42198.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.35}, "total_of_payments": 16128, "total_of_payments_unrounded": 16140.6}, "disclosure": "Estimated lease payment for stock #NRVD262283, VIN 1V2KN2CA8TC578522. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $42,198. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 227}}, {"vin": "1V2FN2CA6TC589889", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 52552.0, "msrp": 57653.0, "sale_price": 52552.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "interior_color": "Titan Black w/Silver Underlay", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4703", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/a3fe94b8ec8b4670b920a26810bc4c72.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/a3fe94b8ec8b4670b920a26810bc4c72.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/00e2cd9e8ec8484099d11e029e5ab1bc.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/c5c213c29e4f4c37925e5f54d7b33e54.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3e9c7f198a004f9a862a9a98f0c072f2.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/ada58b1f77204a84b9f9f60f34f6583b.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3261cf8c38ce4200a3a02c58e1efe811.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/f15bdf5d8b034590be03923640ef3470.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SEL Premium R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 57653.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc589889/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc589889/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA6TC589889.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC589889.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC589889.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc589889/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,101. This offer applies to Stock #W4703, VIN 1V2FN2CA6TC589889. 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: $57,653. Advertised price: $52,552. Savings: $5,101, 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": "$57,653"}, {"label": "Advertised price", "value": "$52,552"}, {"label": "Savings", "value": "$5,101, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,101", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52552.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA6TC589889_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1066, "unit": "per_month", "display": "$1,066/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52552.0, "price_incl_doc": 52552.0, "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": 1066.28, "amount_financed": 55836.5, "sales_tax": 3284.5, "total_of_payments": 63977.06, "finance_charge": 8140.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4703, VIN 1V2FN2CA6TC589889. $1,066 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,552, before any dealer documentation fee. Amount financed $55,836, including $3,284 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,977. 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_1V2FN2CA6TC589889_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 925, "unit": "per_month", "display": "$925/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52552.0, "price_incl_doc": 52552.0, "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": 925.11, "amount_financed": 55836.5, "sales_tax": 3284.5, "total_of_payments": 66607.81, "finance_charge": 10771.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4703, VIN 1V2FN2CA6TC589889. $925 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,552, before any dealer documentation fee. Amount financed $55,836, including $3,284 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,608. 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_1V2FN2CA6TC589889_finance_84", "type": "finance_84", "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": 52552.0, "price_incl_doc": 52552.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 828.87, "amount_financed": 55836.5, "sales_tax": 3284.5, "total_of_payments": 69625.1, "finance_charge": 13788.6, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4703, VIN 1V2FN2CA6TC589889. $829 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,552, before any dealer documentation fee. Amount financed $55,836, including $3,284 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,625. 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"}, {"offer_id": "of_1V2FN2CA6TC589889_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": 57653.0, "selling_price": 52552.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 657.76, "net_cap_cost": 53227.0, "residual_value": 35744.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 657.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 817.76}, "total_of_payments": 23688, "total_of_payments_unrounded": 23679.36}, "disclosure": "Estimated lease payment for stock #W4703, VIN 1V2FN2CA6TC589889. $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 $57,653. Lease selling price $52,552. Net capitalized cost $53,227. Residual value $35,745, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA6TC589889_lease", "type": "lease", "label": "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": 57653.0, "selling_price": 52552.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 564.47, "net_cap_cost": 50228.0, "residual_value": 35744.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 564.47, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3723.47}, "total_of_payments": 20304, "total_of_payments_unrounded": 20320.92}, "disclosure": "Estimated lease payment for stock #W4703, VIN 1V2FN2CA6TC589889. $564 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,723, made up of $564 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,653. Lease selling price $52,552. Net capitalized cost $50,228. Residual value $35,745, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 229}}, {"vin": "1V2KN2CA5TC568577", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45042.0, "msrp": 50093.0, "sale_price": 45042.0, "currency": "USD", "mileage": 11, "exterior_color": "Silver Mist Metallic", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4501", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca5tc568577/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA5TC568577.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA5TC568577.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA5TC568577.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca5tc568577/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,051. This offer applies to Stock #W4501, VIN 1V2KN2CA5TC568577. 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: $50,093. Advertised price: $45,042. Savings: $5,051, 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": "$50,093"}, {"label": "Advertised price", "value": "$45,042"}, {"label": "Savings", "value": "$5,051, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,051", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45042.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA5TC568577_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 914, "unit": "per_month", "display": "$914/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45042.0, "price_incl_doc": 45042.0, "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": 913.91, "amount_financed": 47857.13, "sales_tax": 2815.13, "total_of_payments": 54834.36, "finance_charge": 6977.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4501, VIN 1V2KN2CA5TC568577. $914 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,042, before any dealer documentation fee. Amount financed $47,857, including $2,815 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,834. 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_1V2KN2CA5TC568577_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45042.0, "price_incl_doc": 45042.0, "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": 792.9, "amount_financed": 47857.13, "sales_tax": 2815.13, "total_of_payments": 57089.16, "finance_charge": 9232.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4501, VIN 1V2KN2CA5TC568577. $793 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,042, before any dealer documentation fee. Amount financed $47,857, including $2,815 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,089. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC568577_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": 45042.0, "price_incl_doc": 45042.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.42, "amount_financed": 47857.13, "sales_tax": 2815.13, "total_of_payments": 59675.26, "finance_charge": 11818.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4501, VIN 1V2KN2CA5TC568577. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,042, before any dealer documentation fee. Amount financed $47,857, including $2,815 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC568577_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50093.0, "selling_price": 45042.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 555.01, "net_cap_cost": 45717.0, "residual_value": 31057.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 555.01, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 715.01}, "total_of_payments": 19980, "total_of_payments_unrounded": 19980.36}, "disclosure": "Estimated lease payment for stock #W4501, VIN 1V2KN2CA5TC568577. $555 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $715, made up of $555 first payment, $60 title, $100 registration. MSRP $50,093. Lease selling price $45,042. Net capitalized cost $45,717. Residual value $31,058, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,980. 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"}, {"offer_id": "of_1V2KN2CA5TC568577_lease", "type": "lease", "label": "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": 50093.0, "selling_price": 45042.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 461.72, "net_cap_cost": 42718.0, "residual_value": 31057.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 461.72, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3620.72}, "total_of_payments": 16632, "total_of_payments_unrounded": 16621.92}, "disclosure": "Estimated lease payment for stock #W4501, VIN 1V2KN2CA5TC568577. $462 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,621, made up of $462 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,093. Lease selling price $45,042. Net capitalized cost $42,718. Residual value $31,058, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": "$49,738"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49738.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA0TC578644_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1009, "unit": "per_month", "display": "$1,009/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49738.0, "price_incl_doc": 49738.0, "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": 1009.19, "amount_financed": 52846.63, "sales_tax": 3108.63, "total_of_payments": 60551.29, "finance_charge": 7704.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4559, VIN 1V2KN2CA0TC578644. $1,009 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,738, before any dealer documentation fee. Amount financed $52,847, including $3,109 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,551. 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_1V2KN2CA0TC578644_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 876, "unit": "per_month", "display": "$876/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49738.0, "price_incl_doc": 49738.0, "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": 875.57, "amount_financed": 52846.63, "sales_tax": 3108.63, "total_of_payments": 63041.17, "finance_charge": 10194.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4559, VIN 1V2KN2CA0TC578644. $876 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,738, before any dealer documentation fee. Amount financed $52,847, including $3,109 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,041. 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_1V2KN2CA0TC578644_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": 49738.0, "price_incl_doc": 49738.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 784.49, "amount_financed": 52846.63, "sales_tax": 3108.63, "total_of_payments": 65896.9, "finance_charge": 13050.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4559, VIN 1V2KN2CA0TC578644. $784 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,738, before any dealer documentation fee. Amount financed $52,847, including $3,109 estimated sales tax at 6.25%. That is $14.84 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_1V2KN2CA0TC578644_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49738.0, "selling_price": 49738.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 707.24, "net_cap_cost": 50413.0, "residual_value": 30837.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 707.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 867.24}, "total_of_payments": 25452, "total_of_payments_unrounded": 25460.64}, "disclosure": "Estimated lease payment for stock #W4559, VIN 1V2KN2CA0TC578644. $707 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $867, made up of $707 first payment, $60 title, $100 registration. MSRP $49,738. Lease selling price $49,738. Net capitalized cost $50,413. Residual value $30,838, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,452. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA0TC578644_lease", "type": "lease", "label": "Lease", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49738.0, "selling_price": 49738.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 613.95, "net_cap_cost": 47414.0, "residual_value": 30837.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 613.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3772.95}, "total_of_payments": 22104, "total_of_payments_unrounded": 22102.2}, "disclosure": "Estimated lease payment for stock #W4559, VIN 1V2KN2CA0TC578644. $614 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,773, made up of $614 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,738. Lease selling price $49,738. Net capitalized cost $47,414. Residual value $30,838, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,104. 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. 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm9tm129321/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RM9TM129321.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM9TM129321.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM9TM129321.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm9tm129321/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4651, VIN 3VVER7RM9TM129321. Advertised price: $37,823. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$37,823"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37823.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM9TM129321_finance_60", "type": "finance_60", "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": 37823.0, "price_incl_doc": 37823.0, "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": 767.43, "amount_financed": 40186.94, "sales_tax": 2363.94, "total_of_payments": 46045.91, "finance_charge": 5858.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4651, VIN 3VVER7RM9TM129321. $767 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,823, before any dealer documentation fee. Amount financed $40,187, including $2,364 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,046. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM9TM129321_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37823.0, "price_incl_doc": 37823.0, "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": 665.82, "amount_financed": 40186.94, "sales_tax": 2363.94, "total_of_payments": 47939.33, "finance_charge": 7752.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4651, VIN 3VVER7RM9TM129321. $666 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,823, before any dealer documentation fee. Amount financed $40,187, including $2,364 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,939. 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_3VVER7RM9TM129321_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37823.0, "price_incl_doc": 37823.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.56, "amount_financed": 40186.94, "sales_tax": 2363.94, "total_of_payments": 50110.95, "finance_charge": 9924.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4651, VIN 3VVER7RM9TM129321. $597 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,823, before any dealer documentation fee. Amount financed $40,187, including $2,364 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,111. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM9TM129321_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37823.0, "selling_price": 37823.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.85, "net_cap_cost": 38498.0, "residual_value": 23450.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.85}, "total_of_payments": 19548, "total_of_payments_unrounded": 19542.6}, "disclosure": "Estimated lease payment for stock #W4651, VIN 3VVER7RM9TM129321. $543 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $703, made up of $543 first payment, $60 title, $100 registration. MSRP $37,823. Lease selling price $37,823. Net capitalized cost $38,498. Residual value $23,450, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,548. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM9TM129321_lease", "type": "lease", "label": "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": 37823.0, "selling_price": 37823.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.56, "net_cap_cost": 35499.0, "residual_value": 23450.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.56}, "total_of_payments": 16200, "total_of_payments_unrounded": 16184.16}, "disclosure": "Estimated lease payment for stock #W4651, VIN 3VVER7RM9TM129321. $450 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,609, made up of $450 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,823. 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm055080/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B21TM055080.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM055080.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM055080.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm055080/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,808. This offer applies to Stock #VD262068X, VIN 3VVVC7B21TM055080. 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: $35,096. Advertised price: $32,288. Savings: $2,808, 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": "$35,096"}, {"label": "Advertised price", "value": "$32,288"}, {"label": "Savings", "value": "$2,808, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,808", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32288.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B21TM055080_finance_60", "type": "finance_60", "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": 32288.0, "price_incl_doc": 32288.0, "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": 655.13, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 39307.57, "finance_charge": 5001.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262068X, VIN 3VVVC7B21TM055080. $655 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,308. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM055080_finance_72", "type": "finance_72", "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": 32288.0, "price_incl_doc": 32288.0, "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": 568.39, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 40923.9, "finance_charge": 6617.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262068X, VIN 3VVVC7B21TM055080. $568 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,924. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM055080_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32288.0, "price_incl_doc": 32288.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 509.26, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 42777.73, "finance_charge": 8471.73, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262068X, VIN 3VVVC7B21TM055080. $509 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,778. 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_3VVVC7B21TM055080_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 418, "unit": "per_month", "display": "$418/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35096.0, "selling_price": 32288.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 417.87, "net_cap_cost": 32963.0, "residual_value": 21759.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 417.87, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 577.87}, "total_of_payments": 15048, "total_of_payments_unrounded": 15043.32}, "disclosure": "Estimated lease payment for stock #VD262068X, VIN 3VVVC7B21TM055080. $418 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $578, made up of $418 first payment, $60 title, $100 registration. MSRP $35,096. Lease selling price $32,288. Net capitalized cost $32,963. Residual value $21,760, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,048. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM055080_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35096.0, "selling_price": 32288.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 324.58, "net_cap_cost": 29964.0, "residual_value": 21759.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 324.58, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3483.58}, "total_of_payments": 11700, "total_of_payments_unrounded": 11684.88}, "disclosure": "Estimated lease payment for stock #VD262068X, VIN 3VVVC7B21TM055080. $325 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,484, made up of $325 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,096. Lease selling price $32,288. Net capitalized cost $29,964. Residual value $21,760, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,700. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 227}}, {"vin": "3VWBW7BU1TM014388", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25442.0, "msrp": 27506.0, "sale_price": 25442.0, "currency": "USD", "mileage": 9, "exterior_color": "Pure White", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4166", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm014388/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU1TM014388.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM014388.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM014388.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm014388/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,064. This offer applies to Stock #W4166, VIN 3VWBW7BU1TM014388. 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: $27,506. Advertised price: $25,442. Savings: $2,064, 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": "$27,506"}, {"label": "Advertised price", "value": "$25,442"}, {"label": "Savings", "value": "$2,064, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,064", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25442.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU1TM014388_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": 25442.0, "price_incl_doc": 25442.0, "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": 516.22, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 30973.22, "finance_charge": 3941.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4166, VIN 3VWBW7BU1TM014388. $516 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,973. 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_3VWBW7BU1TM014388_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25442.0, "price_incl_doc": 25442.0, "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": 447.87, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 32246.85, "finance_charge": 5214.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4166, VIN 3VWBW7BU1TM014388. $448 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,247. 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_3VWBW7BU1TM014388_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25442.0, "price_incl_doc": 25442.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 401.28, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 33707.61, "finance_charge": 6675.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4166, VIN 3VWBW7BU1TM014388. $401 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,708. 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_3VWBW7BU1TM014388_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 336, "unit": "per_month", "display": "$336/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27506.0, "selling_price": 25442.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 336.3, "net_cap_cost": 26117.0, "residual_value": 17053.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 336.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 496.3}, "total_of_payments": 12096, "total_of_payments_unrounded": 12106.8}, "disclosure": "Estimated lease payment for stock #W4166, VIN 3VWBW7BU1TM014388. $336 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $496, made up of $336 first payment, $60 title, $100 registration. MSRP $27,506. Lease selling price $25,442. Net capitalized cost $26,117. Residual value $17,054, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,096. 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_3VWBW7BU1TM014388_lease", "type": "lease", "label": "Lease", "headline": {"value": 243, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27506.0, "selling_price": 25442.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 243.0, "net_cap_cost": 23118.0, "residual_value": 17053.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 243, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3402}, "total_of_payments": 8748, "total_of_payments_unrounded": 8748.0}, "disclosure": "Estimated lease payment for stock #W4166, VIN 3VWBW7BU1TM014388. $243 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,402, made up of $243 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,506. Lease selling price $25,442. Net capitalized cost $23,118. Residual value $17,054, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,748. 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": [{"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": 233}}, {"vin": "3VVER7RM8TM118021", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 36779.0, "msrp": 36779.0, "sale_price": 36779.0, "currency": "USD", "mileage": 15, "exterior_color": "Deep 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 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": "W4695", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/a7fa05c766f34cc3b791b50e3f078ca2.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/a7fa05c766f34cc3b791b50e3f078ca2.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/51ee3dc47f8a40939abf150653029c4e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/a661a3efb6f94049a57c6e1ef16ecd32.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/e6580963bf5e437f8269e5058fceac92.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/e408f9fe06664eaeb686fc7f02f98bea.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b60e24b3a4584827b362cd7b54740dcb.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/0810c77fa6dd41c6a507a8afc4fd599a.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36779.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm8tm118021/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm8tm118021/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RM8TM118021.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM8TM118021.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM8TM118021.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm8tm118021/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4695, VIN 3VVER7RM8TM118021. Advertised price: $36,779. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$36,779"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36779.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM8TM118021_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36779.0, "price_incl_doc": 36779.0, "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": 746.25, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 44774.94, "finance_charge": 5697.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4695, VIN 3VVER7RM8TM118021. $746 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,775. 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_3VVER7RM8TM118021_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 647, "unit": "per_month", "display": "$647/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36779.0, "price_incl_doc": 36779.0, "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": 647.45, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 46616.09, "finance_charge": 7538.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4695, VIN 3VVER7RM8TM118021. $647 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,616. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM8TM118021_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": 36779.0, "price_incl_doc": 36779.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.09, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 48727.77, "finance_charge": 9650.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4695, VIN 3VVER7RM8TM118021. $580 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,728. 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_3VVER7RM8TM118021_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": 36779.0, "selling_price": 36779.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.44, "net_cap_cost": 37454.0, "residual_value": 22802.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.44}, "total_of_payments": 19008, "total_of_payments_unrounded": 19023.84}, "disclosure": "Estimated lease payment for stock #W4695, VIN 3VVER7RM8TM118021. $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 $36,779. Lease selling price $36,779. Net capitalized cost $37,454. Residual value $22,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVER7RM8TM118021_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": 36779.0, "selling_price": 36779.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.15, "net_cap_cost": 34455.0, "residual_value": 22802.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.15}, "total_of_payments": 15660, "total_of_payments_unrounded": 15665.4}, "disclosure": "Estimated lease payment for stock #W4695, VIN 3VVER7RM8TM118021. $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 $36,779. Lease selling price $36,779. Net capitalized cost $34,455. Residual value $22,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 248}}, {"vin": "3VVVC7B27TM087077", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34641.0, "msrp": 34641.0, "sale_price": 31851.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Black Pearl", "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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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 #VD262308, VIN 3VVVC7B27TM087077. Advertised price: $34,641. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$34,641"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34641.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B27TM087077_finance_60", "type": "finance_60", "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": 34641.0, "price_incl_doc": 34641.0, "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": 702.87, "amount_financed": 36806.06, "sales_tax": 2165.06, "total_of_payments": 42172.12, "finance_charge": 5366.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262308, VIN 3VVVC7B27TM087077. $703 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,641, before any dealer documentation fee. Amount financed $36,806, including $2,165 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,172. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B27TM087077_finance_72", "type": "finance_72", "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": 34641.0, "price_incl_doc": 34641.0, "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": 609.81, "amount_financed": 36806.06, "sales_tax": 2165.06, "total_of_payments": 43906.25, "finance_charge": 7100.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262308, VIN 3VVVC7B27TM087077. $610 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,641, before any dealer documentation fee. Amount financed $36,806, including $2,165 estimated sales tax at 6.25%. That is $16.57 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_3VVVC7B27TM087077_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": 34641.0, "price_incl_doc": 34641.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 546.37, "amount_financed": 36806.06, "sales_tax": 2165.06, "total_of_payments": 45895.17, "finance_charge": 9089.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262308, VIN 3VVVC7B27TM087077. $546 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,641, before any dealer documentation fee. Amount financed $36,806, including $2,165 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,895. 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_3VVVC7B27TM087077_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": 34641.0, "selling_price": 34641.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 498.94, "net_cap_cost": 35316.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 498.94, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 658.94}, "total_of_payments": 17964, "total_of_payments_unrounded": 17961.84}, "disclosure": "Estimated lease payment for stock #VD262308, VIN 3VVVC7B27TM087077. $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 $34,641. Lease selling price $34,641. Net capitalized cost $35,316. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVVC7B27TM087077_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": 34641.0, "selling_price": 34641.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 405.65, "net_cap_cost": 32317.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 405.65, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3564.65}, "total_of_payments": 14616, "total_of_payments_unrounded": 14603.4}, "disclosure": "Estimated lease payment for stock #VD262308, VIN 3VVVC7B27TM087077. $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 $34,641. 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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26877.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm004914/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm004914/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU1TM004914.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,951. This offer applies to Stock #W4106, VIN 3VWBW7BU1TM004914. 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: $26,877. Advertised price: $24,926. Savings: $1,951, 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": "$26,877"}, {"label": "Advertised price", "value": "$24,926"}, {"label": "Savings", "value": "$1,951, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,951", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU1TM004914_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "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": 505.75, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 30345.04, "finance_charge": 3861.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4106, VIN 3VWBW7BU1TM004914. $506 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU1TM004914_finance_72", "type": "finance_72", "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": 24926.0, "price_incl_doc": 24926.0, "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": 438.79, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 31592.83, "finance_charge": 5108.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4106, VIN 3VWBW7BU1TM004914. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,593. 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_3VWBW7BU1TM004914_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 393.14, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 33023.97, "finance_charge": 6540.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4106, VIN 3VWBW7BU1TM004914. $393 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,024. 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_3VWBW7BU1TM004914_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 331.13, "net_cap_cost": 25601.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 331.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 491.13}, "total_of_payments": 11916, "total_of_payments_unrounded": 11920.68}, "disclosure": "Estimated lease payment for stock #W4106, VIN 3VWBW7BU1TM004914. $331 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $491, made up of $331 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $25,601. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU1TM004914_lease", "type": "lease", "label": "Lease", "headline": {"value": 238, "unit": "per_month", "display": "$238/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 237.84, "net_cap_cost": 22602.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 237.84, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3396.84}, "total_of_payments": 8568, "total_of_payments_unrounded": 8562.24}, "disclosure": "Estimated lease payment for stock #W4106, VIN 3VWBW7BU1TM004914. $238 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,397, made up of $238 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $22,602. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,568. 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": [{"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 $3,941. This offer applies to Stock #VD261980, VIN 3VVMR7RM5TM065869. 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: $39,241. Advertised price: $35,300. Savings: $3,941, 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": "$39,241"}, {"label": "Advertised price", "value": "$35,300"}, {"label": "Savings", "value": "$3,941, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,941", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35300.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM065869_finance_60", "type": "finance_60", "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": 35300.0, "price_incl_doc": 35300.0, "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": 716.24, "amount_financed": 37506.25, "sales_tax": 2206.25, "total_of_payments": 42974.39, "finance_charge": 5468.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261980, VIN 3VVMR7RM5TM065869. $716 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,300, before any dealer documentation fee. Amount financed $37,506, including $2,206 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,974. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM065869_finance_72", "type": "finance_72", "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": 35300.0, "price_incl_doc": 35300.0, "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": 621.41, "amount_financed": 37506.25, "sales_tax": 2206.25, "total_of_payments": 44741.51, "finance_charge": 7235.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261980, VIN 3VVMR7RM5TM065869. $621 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,300, before any dealer documentation fee. Amount financed $37,506, including $2,206 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,742. 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_3VVMR7RM5TM065869_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": 35300.0, "price_incl_doc": 35300.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 556.77, "amount_financed": 37506.25, "sales_tax": 2206.25, "total_of_payments": 46768.27, "finance_charge": 9262.02, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261980, VIN 3VVMR7RM5TM065869. $557 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,300, before any dealer documentation fee. Amount financed $37,506, including $2,206 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,768. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM065869_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 39241.0, "selling_price": 35300.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.82, "net_cap_cost": 35975.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 599.82}, "total_of_payments": 15840, "total_of_payments_unrounded": 15833.52}, "disclosure": "Estimated lease payment for stock #VD261980, VIN 3VVMR7RM5TM065869. $440 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $600, made up of $440 first payment, $60 title, $100 registration. MSRP $39,241. Lease selling price $35,300. Net capitalized cost $35,975. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM5TM065869_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39241.0, "selling_price": 35300.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 346.52, "net_cap_cost": 32976.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 346.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3505.52}, "total_of_payments": 12492, "total_of_payments_unrounded": 12474.72}, "disclosure": "Estimated lease payment for stock #VD261980, VIN 3VVMR7RM5TM065869. $347 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,506, made up of $347 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,241. Lease selling price $35,300. Net capitalized cost $32,976. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,492. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26995.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU5TM076411_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": 26995.0, "price_incl_doc": 26995.0, "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": 547.73, "amount_financed": 28682.19, "sales_tax": 1687.19, "total_of_payments": 32863.85, "finance_charge": 4181.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262155, VIN 3VWBW7BU5TM076411. $548 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,995, before any dealer documentation fee. Amount financed $28,682, including $1,687 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,864. 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_3VWBW7BU5TM076411_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": 26995.0, "price_incl_doc": 26995.0, "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": 475.21, "amount_financed": 28682.19, "sales_tax": 1687.19, "total_of_payments": 34215.22, "finance_charge": 5533.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262155, VIN 3VWBW7BU5TM076411. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,995, before any dealer documentation fee. Amount financed $28,682, including $1,687 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,215. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU5TM076411_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": 26995.0, "price_incl_doc": 26995.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.78, "amount_financed": 28682.19, "sales_tax": 1687.19, "total_of_payments": 35765.14, "finance_charge": 7082.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262155, VIN 3VWBW7BU5TM076411. $426 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,995, before any dealer documentation fee. Amount financed $28,682, including $1,687 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,765. 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_3VWBW7BU5TM076411_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26995.0, "selling_price": 26995.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 393.45, "net_cap_cost": 27670.0, "residual_value": 16736.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 393.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 553.45}, "total_of_payments": 14148, "total_of_payments_unrounded": 14164.2}, "disclosure": "Estimated lease payment for stock #VD262155, VIN 3VWBW7BU5TM076411. $393 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $553, made up of $393 first payment, $60 title, $100 registration. MSRP $26,995. Lease selling price $26,995. Net capitalized cost $27,670. Residual value $16,737, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU5TM076411_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26995.0, "selling_price": 26995.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 300.16, "net_cap_cost": 24671.0, "residual_value": 16736.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 300.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3459.16}, "total_of_payments": 10800, "total_of_payments_unrounded": 10805.76}, "disclosure": "Estimated lease payment for stock #VD262155, VIN 3VWBW7BU5TM076411. $300 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,459, made up of $300 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,995. Lease selling price $26,995. Net capitalized cost $24,671. Residual value $16,737, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,800. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VVGR7RM4TM129767", "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": "new", "price": 42076.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White w/Deep Black Roof", "interior_color": "Grigio & 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": "W4718", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/91cb71eb213043f4aa0698cb7e5c7209.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/91cb71eb213043f4aa0698cb7e5c7209.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7051cd24deb4669a17dad2b6c72b271.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7258dce35de647a1a1899e0d56fa31ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/656f304dcba64238ae39bc80de71b5bc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/331f81537c584938ae10d9f947db3284.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ade2666644ba47c1a14e1a7df2188eb5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4059d615be4441b9a93bd19a8013b11c.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm129767/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm129767/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM4TM129767.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM129767.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM4TM129767.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm4tm129767/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4718, VIN 3VVGR7RM4TM129767. Advertised price: $42,076. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$42,076"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42076.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM4TM129767_finance_60", "type": "finance_60", "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": 42076.0, "price_incl_doc": 42076.0, "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": 853.73, "amount_financed": 44705.75, "sales_tax": 2629.75, "total_of_payments": 51223.53, "finance_charge": 6517.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4718, VIN 3VVGR7RM4TM129767. $854 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,076, before any dealer documentation fee. Amount financed $44,706, including $2,630 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,224. 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_3VVGR7RM4TM129767_finance_72", "type": "finance_72", "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": 42076.0, "price_incl_doc": 42076.0, "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": 740.69, "amount_financed": 44705.75, "sales_tax": 2629.75, "total_of_payments": 53329.85, "finance_charge": 8624.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4718, VIN 3VVGR7RM4TM129767. $741 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,076, before any dealer documentation fee. Amount financed $44,706, including $2,630 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,330. 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_3VVGR7RM4TM129767_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": 42076.0, "price_incl_doc": 42076.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.64, "amount_financed": 44705.75, "sales_tax": 2629.75, "total_of_payments": 55745.66, "finance_charge": 11039.91, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4718, VIN 3VVGR7RM4TM129767. $664 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,076, before any dealer documentation fee. Amount financed $44,706, including $2,630 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM4TM129767_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": 42076.0, "selling_price": 42076.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 601.53, "net_cap_cost": 42751.0, "residual_value": 26087.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 601.53, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 761.53}, "total_of_payments": 21672, "total_of_payments_unrounded": 21655.08}, "disclosure": "Estimated lease payment for stock #W4718, VIN 3VVGR7RM4TM129767. $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 $42,076. Lease selling price $42,076. Net capitalized cost $42,751. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM4TM129767_lease", "type": "lease", "label": "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": 42076.0, "selling_price": 42076.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 508.23, "net_cap_cost": 39752.0, "residual_value": 26087.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 508.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3667.23}, "total_of_payments": 18288, "total_of_payments_unrounded": 18296.28}, "disclosure": "Estimated lease payment for stock #W4718, VIN 3VVGR7RM4TM129767. $508 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,667, made up of $508 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,076. Lease selling price $42,076. Net capitalized cost $39,752. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 355}}, {"vin": "3VVVC7B26TM056189", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 32159.0, "msrp": 34576.0, "sale_price": 32159.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black Pearl", "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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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34576.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b26tm056189/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b26tm056189/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B26TM056189.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B26TM056189.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B26TM056189.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b26tm056189/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,417. This offer applies to Stock #W4487, VIN 3VVVC7B26TM056189. 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: $34,576. Advertised price: $32,159. Savings: $2,417, 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": "$34,576"}, {"label": "Advertised price", "value": "$32,159"}, {"label": "Savings", "value": "$2,417, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,417", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B26TM056189_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": 32159.0, "price_incl_doc": 32159.0, "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": 652.51, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 39150.53, "finance_charge": 4981.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4487, VIN 3VVVC7B26TM056189. $653 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,151. 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_3VVVC7B26TM056189_finance_72", "type": "finance_72", "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": 32159.0, "price_incl_doc": 32159.0, "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": 566.12, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 40760.4, "finance_charge": 6591.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4487, VIN 3VVVC7B26TM056189. $566 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B26TM056189_finance_84", "type": "finance_84", "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": 32159.0, "price_incl_doc": 32159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.22, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 42606.82, "finance_charge": 8437.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4487, VIN 3VVVC7B26TM056189. $507 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,607. 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_3VVVC7B26TM056189_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.86, "net_cap_cost": 32834.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.86}, "total_of_payments": 15228, "total_of_payments_unrounded": 15222.96}, "disclosure": "Estimated lease payment for stock #W4487, VIN 3VVVC7B26TM056189. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $32,834. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B26TM056189_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.57, "net_cap_cost": 29835.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.57}, "total_of_payments": 11880, "total_of_payments_unrounded": 11864.52}, "disclosure": "Estimated lease payment for stock #W4487, VIN 3VVVC7B26TM056189. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $29,835. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 376}}, {"vin": "5NMJBCDE7TH609130", "title": "2026 Hyundai Tucson SEL", "year": 2026, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL, SEL Plus", "condition": "used", "price": 30098.0, "msrp": 30098.0, "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": 30098.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/5NMJBCDE7TH609130.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde7th609130/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMJBCDE7TH609130.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMJBCDE7TH609130.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMJBCDE7TH609130.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde7th609130/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260367, VIN 5NMJBCDE7TH609130. Advertised price: $30,098. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$30,098"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30098.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCDE7TH609130_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": 30098.0, "price_incl_doc": 30098.0, "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": 750.88, "amount_financed": 31979.13, "sales_tax": 1881.13, "total_of_payments": 36042.44, "finance_charge": 4063.31, "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. $751 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,098, before any dealer documentation fee. Amount financed $31,979, including $1,881 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,042. 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_5NMJBCDE7TH609130_finance_60", "type": "finance_60", "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": 30098.0, "price_incl_doc": 30098.0, "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": 625.56, "amount_financed": 31979.13, "sales_tax": 1881.13, "total_of_payments": 37533.52, "finance_charge": 5554.39, "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. $626 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,098, before any dealer documentation fee. Amount financed $31,979, including $1,881 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,534. 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_5NMJBCDE7TH609130_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": 30098.0, "price_incl_doc": 30098.0, "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": 545.06, "amount_financed": 31979.13, "sales_tax": 1881.13, "total_of_payments": 39244.24, "finance_charge": 7265.11, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260367, VIN 5NMJBCDE7TH609130. $545 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,098, before any dealer documentation fee. Amount financed $31,979, including $1,881 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,244. 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"}], "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": 296}}, {"vin": "3VWBW7BU3TM038756", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 5, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD261991", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu3tm038756/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD261991, VIN 3VWBW7BU3TM038756. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU3TM038756_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261991, VIN 3VWBW7BU3TM038756. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU3TM038756_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261991, VIN 3VWBW7BU3TM038756. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU3TM038756_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261991, VIN 3VWBW7BU3TM038756. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU3TM038756_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD261991, VIN 3VWBW7BU3TM038756. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU3TM038756_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD261991, VIN 3VWBW7BU3TM038756. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": 404}}, {"vin": "3VWBW7BUXTM034364", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 8, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262012", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7buxtm034364/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD262012, VIN 3VWBW7BUXTM034364. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BUXTM034364_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262012, VIN 3VWBW7BUXTM034364. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BUXTM034364_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262012, VIN 3VWBW7BUXTM034364. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BUXTM034364_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262012, VIN 3VWBW7BUXTM034364. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BUXTM034364_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD262012, VIN 3VWBW7BUXTM034364. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BUXTM034364_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD262012, VIN 3VWBW7BUXTM034364. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": "3VVMR7RM4TM111112", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35192.0, "msrp": 38727.0, "sale_price": 35192.0, "currency": "USD", "mileage": 6, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "W4623", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38727.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm111112/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm111112/2026-volkswagen-tiguan-sport-utility", "canonical_url": 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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 $3,535. This offer applies to Stock #W4623, VIN 3VVMR7RM4TM111112. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM4TM111112_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4623, VIN 3VVMR7RM4TM111112. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM111112_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4623, VIN 3VVMR7RM4TM111112. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM4TM111112_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4623, VIN 3VVMR7RM4TM111112. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM4TM111112_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4623, VIN 3VVMR7RM4TM111112. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM111112_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4623, VIN 3VVMR7RM4TM111112. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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 #VD261899X, VIN 1V2KN2CA4TC576850. Advertised price: $50,626. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$50,626"}], "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50626.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA4TC576850_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1027, "unit": "per_month", "display": "$1,027/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50626.0, "price_incl_doc": 50626.0, "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": 1027.21, "amount_financed": 53790.13, "sales_tax": 3164.13, "total_of_payments": 61632.34, "finance_charge": 7842.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261899X, VIN 1V2KN2CA4TC576850. $1,027 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,626, before any dealer documentation fee. Amount financed $53,790, including $3,164 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,632. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA4TC576850_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50626.0, "price_incl_doc": 50626.0, "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": 891.2, "amount_financed": 53790.13, "sales_tax": 3164.13, "total_of_payments": 64166.68, "finance_charge": 10376.55, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261899X, VIN 1V2KN2CA4TC576850. $891 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,626, before any dealer documentation fee. Amount financed $53,790, including $3,164 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA4TC576850_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 798, "unit": "per_month", "display": "$798/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50626.0, "price_incl_doc": 50626.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 798.49, "amount_financed": 53790.13, "sales_tax": 3164.13, "total_of_payments": 67073.39, "finance_charge": 13283.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261899X, VIN 1V2KN2CA4TC576850. $798 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,626, before any dealer documentation fee. Amount financed $53,790, including $3,164 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,073. 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"}, {"offer_id": "of_1V2KN2CA4TC576850_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50626.0, "selling_price": 50626.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 719.49, "net_cap_cost": 51301.0, "residual_value": 31388.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 719.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 879.49}, "total_of_payments": 25884, "total_of_payments_unrounded": 25901.64}, "disclosure": "Estimated lease payment for stock #VD261899X, VIN 1V2KN2CA4TC576850. $719 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $879, made up of $719 first payment, $60 title, $100 registration. MSRP $50,626. Lease selling price $50,626. Net capitalized cost $51,301. Residual value $31,388, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,884. 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_1V2KN2CA4TC576850_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50626.0, "selling_price": 50626.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 626.2, "net_cap_cost": 48302.0, "residual_value": 31388.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 626.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3785.2}, "total_of_payments": 22536, "total_of_payments_unrounded": 22543.2}, "disclosure": "Estimated lease payment for stock #VD261899X, VIN 1V2KN2CA4TC576850. $626 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,785, made up of $626 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,626. Lease selling price $50,626. Net capitalized cost $48,302. Residual value $31,388, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,536. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 410}}, {"vin": "1V2HN2CAXTC582792", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43575.0, "msrp": 48342.0, "sale_price": 43575.0, "currency": "USD", "mileage": 10, "exterior_color": "Avocado Green Pearl", "interior_color": "Shetland Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline 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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc582792/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CAXTC582792.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CAXTC582792.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CAXTC582792.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc582792/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,767. This offer applies to Stock #W4585, VIN 1V2HN2CAXTC582792. 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: $48,342. Advertised price: $43,575. Savings: $4,767, 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": "$48,342"}, {"label": "Advertised price", "value": "$43,575"}, {"label": "Savings", "value": "$4,767, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,767", "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": "2026-07-26T16:50:38Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_1V2HN2CAXTC582792_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 #W4585, VIN 1V2HN2CAXTC582792. $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_1V2HN2CAXTC582792_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 #W4585, VIN 1V2HN2CAXTC582792. $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_1V2HN2CAXTC582792_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 #W4585, VIN 1V2HN2CAXTC582792. $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_1V2HN2CAXTC582792_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": 48342.0, "selling_price": 43575.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 539.69, "net_cap_cost": 44250.0, "residual_value": 29972.04, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 539.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 699.69}, "total_of_payments": 19440, "total_of_payments_unrounded": 19428.84}, "disclosure": "Estimated lease payment for stock #W4585, VIN 1V2HN2CAXTC582792. $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 $48,342. Lease selling price $43,575. Net capitalized cost $44,250. Residual value $29,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CAXTC582792_lease", "type": "lease", "label": "Lease", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48342.0, "selling_price": 43575.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 446.4, "net_cap_cost": 41251.0, "residual_value": 29972.04, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 446.4, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3605.4}, "total_of_payments": 16056, "total_of_payments_unrounded": 16070.4}, "disclosure": "Estimated lease payment for stock #W4585, VIN 1V2HN2CAXTC582792. $446 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,605, made up of $446 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,342. Lease selling price $43,575. Net capitalized cost $41,251. Residual value $29,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,056. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 424}}, {"vin": "KM8SR4HF0EU083827", "title": "2014 Hyundai Santa Fe GLS", "year": 2014, "make": "Hyundai", "model": "Santa Fe", "trim": "GLS", "decoded_trim": "TOP", "condition": "used", "price": 9977.0, "msrp": 9977.0, "sale_price": null, "currency": "USD", "mileage": 112470, "exterior_color": "Night Sky Pearl", "interior_color": "Beige", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.3 L/204", "engine_displacement_l": 3.3, "engine_cylinders": null, "transmission": "6-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "HD260161A", "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/5/2014HYU005a_640/2014HYU005a_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2014HYU005a_640/2014HYU005a_640_01.jpg"], "vin_decode": {"make": "Hyundai", "model": "Santa Fe", "year": 2014, "trim": "TOP", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L", "engine_displacement_l": 3.3, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 9977.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/KM8SR4HF0EU083827.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8sr4hf0eu083827/2014-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8sr4hf0eu083827/2014-hyundai-santa-fe-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/KM8SR4HF0EU083827.html", "json_url": "https://ai.castlevwdownersgrove.com/v/KM8SR4HF0EU083827.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/KM8SR4HF0EU083827.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/km8sr4hf0eu083827/2014-hyundai-santa-fe-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD260161A, VIN KM8SR4HF0EU083827. 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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_KM8SR4HF0EU083827_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 #HD260161A, VIN KM8SR4HF0EU083827. $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_KM8SR4HF0EU083827_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 #HD260161A, VIN KM8SR4HF0EU083827. $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_KM8SR4HF0EU083827_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 #HD260161A, VIN KM8SR4HF0EU083827. $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.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca9tc578081/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA9TC578081.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA9TC578081.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA9TC578081.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca9tc578081/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,989. This offer applies to Stock #NRVD262285, VIN 1V2CN2CA9TC578081. 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: $50,566. Advertised price: $44,577. Savings: $5,989, 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": "$50,566"}, {"label": "Advertised price", "value": "$44,577"}, {"label": "Savings", "value": "$5,989, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,989", "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44577.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA9TC578081_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 904, "unit": "per_month", "display": "$904/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44577.0, "price_incl_doc": 44577.0, "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": 904.47, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 54268.25, "finance_charge": 6905.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262285, VIN 1V2CN2CA9TC578081. $904 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,268. 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_1V2CN2CA9TC578081_finance_72", "type": "finance_72", "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": 44577.0, "price_incl_doc": 44577.0, "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": 784.72, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 56499.78, "finance_charge": 9136.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262285, VIN 1V2CN2CA9TC578081. $785 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA9TC578081_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": 44577.0, "price_incl_doc": 44577.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.09, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 59059.18, "finance_charge": 11696.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262285, VIN 1V2CN2CA9TC578081. $703 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,059. 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_1V2CN2CA9TC578081_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.36, "net_cap_cost": 45252.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.36}, "total_of_payments": 19152, "total_of_payments_unrounded": 19164.96}, "disclosure": "Estimated lease payment for stock #NRVD262285, VIN 1V2CN2CA9TC578081. $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 $50,566. Lease selling price $44,577. Net capitalized cost $45,252. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA9TC578081_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.07, "net_cap_cost": 42253.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.07}, "total_of_payments": 15804, "total_of_payments_unrounded": 15806.52}, "disclosure": "Estimated lease payment for stock #NRVD262285, VIN 1V2CN2CA9TC578081. $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 $50,566. Lease selling price $44,577. Net capitalized cost $42,253. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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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"vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 47406.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hc2ca6tc229908/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hc2ca6tc229908/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HC2CA6TC229908.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HC2CA6TC229908.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HC2CA6TC229908.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hc2ca6tc229908/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,107. This offer applies to Stock #VD262081, VIN 1V2HC2CA6TC229908. 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: $47,406. Advertised price: $42,299. Savings: $5,107, 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": "$47,406"}, {"label": "Advertised price", "value": "$42,299"}, {"label": "Savings", "value": "$5,107, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,107", "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42299.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HC2CA6TC229908_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 858, "unit": "per_month", "display": "$858/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42299.0, "price_incl_doc": 42299.0, "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": 858.25, "amount_financed": 44942.69, "sales_tax": 2643.69, "total_of_payments": 51495.01, "finance_charge": 6552.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262081, VIN 1V2HC2CA6TC229908. $858 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,299, before any dealer documentation fee. Amount financed $44,943, including $2,644 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,495. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HC2CA6TC229908_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": 42299.0, "price_incl_doc": 42299.0, "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": 744.62, "amount_financed": 44942.69, "sales_tax": 2643.69, "total_of_payments": 53612.5, "finance_charge": 8669.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262081, VIN 1V2HC2CA6TC229908. $745 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,299, before any dealer documentation fee. Amount financed $44,943, including $2,644 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,612. 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_1V2HC2CA6TC229908_finance_84", "type": "finance_84", "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": 42299.0, "price_incl_doc": 42299.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 667.16, "amount_financed": 44942.69, "sales_tax": 2643.69, "total_of_payments": 56041.11, "finance_charge": 11098.42, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262081, VIN 1V2HC2CA6TC229908. $667 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,299, before any dealer documentation fee. Amount financed $44,943, including $2,644 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,041. 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_1V2HC2CA6TC229908_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": 47406.0, "selling_price": 42299.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 516.2, "net_cap_cost": 42974.0, "residual_value": 29391.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 516.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 676.2}, "total_of_payments": 18576, "total_of_payments_unrounded": 18583.2}, "disclosure": "Estimated lease payment for stock #VD262081, VIN 1V2HC2CA6TC229908. $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 $47,406. Lease selling price $42,299. Net capitalized cost $42,974. Residual value $29,392, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HC2CA6TC229908_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": 47406.0, "selling_price": 42299.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.91, "net_cap_cost": 39975.0, "residual_value": 29391.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3581.91}, "total_of_payments": 15228, "total_of_payments_unrounded": 15224.76}, "disclosure": "Estimated lease payment for stock #VD262081, VIN 1V2HC2CA6TC229908. $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 $47,406. Lease selling price $42,299. Net capitalized cost $39,975. Residual value $29,392, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 559}}, {"vin": "3VWBW7BU1TM017467", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25442.0, "msrp": 27506.0, "sale_price": 25442.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4163", "stock_status": "Available", "availability": "In Stock", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm017467/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU1TM017467.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM017467.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM017467.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm017467/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,064. This offer applies to Stock #W4163, VIN 3VWBW7BU1TM017467. 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: $27,506. Advertised price: $25,442. Savings: $2,064, 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": "$27,506"}, {"label": "Advertised price", "value": "$25,442"}, {"label": "Savings", "value": "$2,064, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,064", "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25442.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU1TM017467_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": 25442.0, "price_incl_doc": 25442.0, "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": 516.22, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 30973.22, "finance_charge": 3941.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4163, VIN 3VWBW7BU1TM017467. $516 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,973. 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_3VWBW7BU1TM017467_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25442.0, "price_incl_doc": 25442.0, "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": 447.87, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 32246.85, "finance_charge": 5214.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4163, VIN 3VWBW7BU1TM017467. $448 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,247. 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_3VWBW7BU1TM017467_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25442.0, "price_incl_doc": 25442.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 401.28, "amount_financed": 27032.13, "sales_tax": 1590.13, "total_of_payments": 33707.61, "finance_charge": 6675.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4163, VIN 3VWBW7BU1TM017467. $401 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,442, before any dealer documentation fee. Amount financed $27,032, including $1,590 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,708. 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_3VWBW7BU1TM017467_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 336, "unit": "per_month", "display": "$336/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27506.0, "selling_price": 25442.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 336.3, "net_cap_cost": 26117.0, "residual_value": 17053.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 336.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 496.3}, "total_of_payments": 12096, "total_of_payments_unrounded": 12106.8}, "disclosure": "Estimated lease payment for stock #W4163, VIN 3VWBW7BU1TM017467. $336 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $496, made up of $336 first payment, $60 title, $100 registration. MSRP $27,506. Lease selling price $25,442. Net capitalized cost $26,117. Residual value $17,054, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,096. 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_3VWBW7BU1TM017467_lease", "type": "lease", "label": "Lease", "headline": {"value": 243, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27506.0, "selling_price": 25442.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 243.0, "net_cap_cost": 23118.0, "residual_value": 17053.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 243, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3402}, "total_of_payments": 8748, "total_of_payments_unrounded": 8748.0}, "disclosure": "Estimated lease payment for stock #W4163, VIN 3VWBW7BU1TM017467. $243 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,402, made up of $243 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,506. Lease selling price $25,442. Net capitalized cost $23,118. Residual value $17,054, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,748. 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": [{"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": 598}}, {"vin": "1V2KN2CA3TC584857", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45093.0, "msrp": 50056.0, "sale_price": 45093.0, "currency": "USD", "mileage": 9, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4659", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca3tc584857/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA3TC584857.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA3TC584857.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA3TC584857.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca3tc584857/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,963. This offer applies to Stock #W4659, VIN 1V2KN2CA3TC584857. 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: $50,056. Advertised price: $45,093. Savings: $4,963, 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": "$50,056"}, {"label": "Advertised price", "value": "$45,093"}, {"label": "Savings", "value": "$4,963, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,963", "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45093.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA3TC584857_finance_60", "type": "finance_60", "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": 45093.0, "price_incl_doc": 45093.0, "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": 914.94, "amount_financed": 47911.31, "sales_tax": 2818.31, "total_of_payments": 54896.43, "finance_charge": 6985.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4659, VIN 1V2KN2CA3TC584857. $915 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,093, before any dealer documentation fee. Amount financed $47,911, including $2,818 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,896. 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_1V2KN2CA3TC584857_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 794, "unit": "per_month", "display": "$794/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45093.0, "price_incl_doc": 45093.0, "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": 793.8, "amount_financed": 47911.31, "sales_tax": 2818.31, "total_of_payments": 57153.79, "finance_charge": 9242.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4659, VIN 1V2KN2CA3TC584857. $794 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,093, before any dealer documentation fee. Amount financed $47,911, including $2,818 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,154. 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_1V2KN2CA3TC584857_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": 45093.0, "price_incl_doc": 45093.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.22, "amount_financed": 47911.31, "sales_tax": 2818.31, "total_of_payments": 59742.82, "finance_charge": 11831.51, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4659, VIN 1V2KN2CA3TC584857. $711 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,093, before any dealer documentation fee. Amount financed $47,911, including $2,818 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,743. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC584857_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50056.0, "selling_price": 45093.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 557.24, "net_cap_cost": 45768.0, "residual_value": 31034.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 557.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 717.24}, "total_of_payments": 20052, "total_of_payments_unrounded": 20060.64}, "disclosure": "Estimated lease payment for stock #W4659, VIN 1V2KN2CA3TC584857. $557 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $717, made up of $557 first payment, $60 title, $100 registration. MSRP $50,056. Lease selling price $45,093. Net capitalized cost $45,768. Residual value $31,035, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,052. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC584857_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": 50056.0, "selling_price": 45093.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.95, "net_cap_cost": 42769.0, "residual_value": 31034.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3622.95}, "total_of_payments": 16704, "total_of_payments_unrounded": 16702.2}, "disclosure": "Estimated lease payment for stock #W4659, VIN 1V2KN2CA3TC584857. $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 $50,056. Lease selling price $45,093. Net capitalized cost $42,769. Residual value $31,035, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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 $3,535. This offer applies to Stock #W4373, VIN 3VVMR7RM6TM070207. 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: $38,727. Advertised price: $35,192. Savings: $3,535, 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": "$38,727"}, {"label": "Advertised price", "value": "$35,192"}, {"label": "Savings", "value": "$3,535, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,535", "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35192.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM070207_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": 35192.0, "price_incl_doc": 35192.0, "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": 714.05, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 42842.91, "finance_charge": 5451.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4373, VIN 3VVMR7RM6TM070207. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,843. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM070207_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": 35192.0, "price_incl_doc": 35192.0, "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": 619.51, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 44604.62, "finance_charge": 7213.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4373, VIN 3VVMR7RM6TM070207. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,605. 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"}, {"offer_id": "of_3VVMR7RM6TM070207_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": 35192.0, "price_incl_doc": 35192.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.06, "amount_financed": 37391.5, "sales_tax": 2199.5, "total_of_payments": 46625.18, "finance_charge": 9233.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4373, VIN 3VVMR7RM6TM070207. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,192, before any dealer documentation fee. Amount financed $37,392, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,625. 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"}, {"offer_id": "of_3VVMR7RM6TM070207_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 35867.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #W4373, VIN 3VVMR7RM6TM070207. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $35,867. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM070207_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38727.0, "selling_price": 35192.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 32868.0, "residual_value": 24010.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #W4373, VIN 3VVMR7RM6TM070207. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,727. Lease selling price $35,192. Net capitalized cost $32,868. Residual value $24,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,672. 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"}], "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": 596}}, {"vin": "1V2KN2CA5TC578929", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44851.0, "msrp": 49838.0, "sale_price": 44851.0, "currency": "USD", "mileage": 6, "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4561", "stock_status": "Available", 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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 $4,987. This offer applies to Stock #W4561, VIN 1V2KN2CA5TC578929. 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: $49,838. Advertised price: $44,851. Savings: $4,987, 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": "$49,838"}, {"label": "Advertised price", "value": "$44,851"}, {"label": "Savings", "value": "$4,987, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,987", "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44851.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA5TC578929_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44851.0, "price_incl_doc": 44851.0, "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": 910.03, "amount_financed": 47654.19, "sales_tax": 2803.19, "total_of_payments": 54601.83, "finance_charge": 6947.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4561, VIN 1V2KN2CA5TC578929. $910 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,851, before any dealer documentation fee. Amount financed $47,654, including $2,803 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,602. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC578929_finance_72", "type": "finance_72", "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": 44851.0, "price_incl_doc": 44851.0, "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": 789.54, "amount_financed": 47654.19, "sales_tax": 2803.19, "total_of_payments": 56847.07, "finance_charge": 9192.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4561, VIN 1V2KN2CA5TC578929. $790 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,851, before any dealer documentation fee. Amount financed $47,654, including $2,803 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,847. 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"}, {"offer_id": "of_1V2KN2CA5TC578929_finance_84", "type": "finance_84", "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": 44851.0, "price_incl_doc": 44851.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.41, "amount_financed": 47654.19, "sales_tax": 2803.19, "total_of_payments": 59422.2, "finance_charge": 11768.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4561, VIN 1V2KN2CA5TC578929. $707 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,851, before any dealer documentation fee. Amount financed $47,654, including $2,803 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,422. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA5TC578929_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 49838.0, "selling_price": 44851.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 553.49, "net_cap_cost": 45526.0, "residual_value": 30899.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 553.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 713.49}, "total_of_payments": 19908, "total_of_payments_unrounded": 19925.64}, "disclosure": "Estimated lease payment for stock #W4561, VIN 1V2KN2CA5TC578929. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $49,838. Lease selling price $44,851. Net capitalized cost $45,526. Residual value $30,900, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KN2CA5TC578929_lease", "type": "lease", "label": "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": 49838.0, "selling_price": 44851.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.19, "net_cap_cost": 42527.0, "residual_value": 30899.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.19}, "total_of_payments": 16560, "total_of_payments_unrounded": 16566.84}, "disclosure": "Estimated lease payment for stock #W4561, VIN 1V2KN2CA5TC578929. $460 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,619, made up of $460 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,838. Lease selling price $44,851. Net capitalized cost $42,527. Residual value $30,900, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 628}}, {"vin": "1V2CN2CA5TC579874", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 51083.0, "msrp": 51083.0, "sale_price": 45448.0, "currency": "USD", "mileage": 5, "exterior_color": "Opal White Pearl", "interior_color": "BLACK LEATHERE", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4672", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/c7100fec9c6043718d94072ef78ca71e.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c7100fec9c6043718d94072ef78ca71e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c96c817f413147c4928dd07dc49609e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f4ce5fb63f4e4d3f9935594220554ea1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9550023087ee40fea5eb3e43fc57bb45.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c2660f004b854e598af3d5b2093442bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/08bf84fef4c940c282d5f114557dbf78.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d7f87877843477f99a51715076acd23.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion Peak Edition SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51083.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc579874/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc579874/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA5TC579874.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA5TC579874.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA5TC579874.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca5tc579874/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4672, VIN 1V2CN2CA5TC579874. Advertised price: $51,083. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$51,083"}], "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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51083.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA5TC579874_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1036, "unit": "per_month", "display": "$1,036/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "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": 1036.48, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 62188.7, "finance_charge": 7913.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4672, VIN 1V2CN2CA5TC579874. $1,036 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC579874_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 899, "unit": "per_month", "display": "$899/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "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": 899.25, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 64745.91, "finance_charge": 10470.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4672, VIN 1V2CN2CA5TC579874. $899 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC579874_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51083.0, "price_incl_doc": 51083.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 805.7, "amount_financed": 54275.69, "sales_tax": 3192.69, "total_of_payments": 67678.86, "finance_charge": 13403.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4672, VIN 1V2CN2CA5TC579874. $806 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,083, before any dealer documentation fee. Amount financed $54,276, including $3,193 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,679. 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_1V2CN2CA5TC579874_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 51083.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 725.8, "net_cap_cost": 51758.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 725.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 885.8}, "total_of_payments": 26136, "total_of_payments_unrounded": 26128.8}, "disclosure": "Estimated lease payment for stock #W4672, VIN 1V2CN2CA5TC579874. $726 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $886, made up of $726 first payment, $60 title, $100 registration. MSRP $51,083. Lease selling price $51,083. Net capitalized cost $51,758. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,136. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA5TC579874_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 51083.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 632.51, "net_cap_cost": 48759.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 632.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3791.51}, "total_of_payments": 22788, "total_of_payments_unrounded": 22770.36}, "disclosure": "Estimated lease payment for stock #W4672, VIN 1V2CN2CA5TC579874. $633 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,792, made up of $633 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,083. Lease selling price $51,083. Net capitalized cost $48,759. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 639}}, {"vin": "JF2GTABCXJH207941", "title": "2018 Subaru Crosstrek Premium", "year": 2018, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 13545.0, "msrp": 13545.0, "sale_price": 13985.0, "currency": "USD", "mileage": 104708, "exterior_color": "Sunshine Orange", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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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": 24697.0, "price_incl_doc": 24697.0, "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": 513.3, "amount_financed": 26240.56, "sales_tax": 1543.56, "total_of_payments": 30798.23, "finance_charge": 4557.67, "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. $513 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,697, before any dealer documentation fee. Amount financed $26,241, including $1,544 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,798. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 24697.0, "price_incl_doc": 24697.0, "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": 447.25, "amount_financed": 26240.56, "sales_tax": 1543.56, "total_of_payments": 32201.96, "finance_charge": 5961.4, "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. $447 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,697, before any dealer documentation fee. Amount financed $26,241, including $1,544 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,202. 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": "2026-07-26T16:50:39Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42999.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 42999.0, "price_incl_doc": 42999.0, "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": 1072.74, "amount_financed": 45686.44, "sales_tax": 2687.44, "total_of_payments": 51491.42, "finance_charge": 5804.98, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261274A, VIN KM8R7DGE0SU815401. $1,073 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,999, before any dealer documentation fee. Amount financed $45,686, including $2,687 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $51,491. 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_KM8R7DGE0SU815401_finance_72", "type": "finance_72", "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": 42999.0, "price_incl_doc": 42999.0, "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": 778.69, "amount_financed": 45686.44, "sales_tax": 2687.44, "total_of_payments": 56065.61, "finance_charge": 10379.17, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261274A, VIN KM8R7DGE0SU815401. $779 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $42,999, before any dealer documentation fee. Amount financed $45,686, including $2,687 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $56,066. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $5,635. This offer applies to Stock #W4270, VIN 1V2CN2CA6TC533812. 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: $51,083. Advertised price: $45,448. Savings: $5,635, 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": "$51,083"}, {"label": "Advertised price", "value": "$45,448"}, {"label": "Savings", "value": "$5,635, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,635", "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45448.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA6TC533812_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 922, "unit": "per_month", "display": "$922/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45448.0, "price_incl_doc": 45448.0, "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": 922.14, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 55328.62, "finance_charge": 7040.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4270, VIN 1V2CN2CA6TC533812. $922 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,329. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC533812_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": 45448.0, "price_incl_doc": 45448.0, "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": 800.05, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 57603.74, "finance_charge": 9315.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4270, VIN 1V2CN2CA6TC533812. $800 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,604. 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_1V2CN2CA6TC533812_finance_84", "type": "finance_84", "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": 45448.0, "price_incl_doc": 45448.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.82, "amount_financed": 48288.5, "sales_tax": 2840.5, "total_of_payments": 60213.15, "finance_charge": 11924.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4270, VIN 1V2CN2CA6TC533812. $717 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,448, before any dealer documentation fee. Amount financed $48,288, including $2,840 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,213. 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_1V2CN2CA6TC533812_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": 51083.0, "selling_price": 45448.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 550.51, "net_cap_cost": 46123.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 550.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 710.51}, "total_of_payments": 19836, "total_of_payments_unrounded": 19818.36}, "disclosure": "Estimated lease payment for stock #W4270, VIN 1V2CN2CA6TC533812. $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 $51,083. Lease selling price $45,448. Net capitalized cost $46,123. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA6TC533812_lease", "type": "lease", "label": "Lease", "headline": {"value": 457, "unit": "per_month", "display": "$457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51083.0, "selling_price": 45448.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 457.21, "net_cap_cost": 43124.0, "residual_value": 31671.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 457.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3616.21}, "total_of_payments": 16452, "total_of_payments_unrounded": 16459.56}, "disclosure": "Estimated lease payment for stock #W4270, VIN 1V2CN2CA6TC533812. $457 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,616, made up of $457 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,083. Lease selling price $45,448. Net capitalized cost $43,124. Residual value $31,671, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,452. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 649}}, {"vin": "WVWLE7CD7TW275419", "title": "2026 Volkswagen Golf GTI S", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "new", "price": null, "msrp": null, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Moonstone Gray", "interior_color": null, "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "VD262332", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/4319aa1e290e4d5c9bd8262beeae10d0.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/4319aa1e290e4d5c9bd8262beeae10d0.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/a9edf2a8b12c4e53a2a175f530396736.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/30304078de514527ac4e0a51220e724c.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/0b7affd6e7ce4a2f9ed79e7728a18389.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/59f4a6f485be4b0998a03d372c703af6.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/c7074ff2d40b426eb4f4d518dd6c992a.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/f2e67b61b26040518ce9399e25af04be.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "S", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd7tw275419/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd7tw275419/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWLE7CD7TW275419.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD7TW275419.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD7TW275419.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd7tw275419/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": true, "issues": [], "checks": 0, "rule": "unknown", "stale": false}, "price_stale": false, "price_advertisable": false, "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 #VD262332, VIN WVWLE7CD7TW275419. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": null, "price_reconciled": false, "price_stale": false, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": null, "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD7TW275419_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", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend.", "inputs": {"selling_price": 37125.0, "price_incl_doc": 37125.0, "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": 753.27, "amount_financed": 39445.31, "sales_tax": 2320.31, "total_of_payments": 45196.15, "finance_charge": 5750.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262332, VIN WVWLE7CD7TW275419. $753 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,125, before any dealer documentation fee. Amount financed $39,445, including $2,320 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,196. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD7TW275419_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", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend.", "inputs": {"selling_price": 37125.0, "price_incl_doc": 37125.0, "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": 653.54, "amount_financed": 39445.31, "sales_tax": 2320.31, "total_of_payments": 47054.63, "finance_charge": 7609.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262332, VIN WVWLE7CD7TW275419. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,125, before any dealer documentation fee. Amount financed $39,445, including $2,320 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,055. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD7TW275419_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", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend.", "inputs": {"selling_price": 37125.0, "price_incl_doc": 37125.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.55, "amount_financed": 39445.31, "sales_tax": 2320.31, "total_of_payments": 49186.17, "finance_charge": 9740.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262332, VIN WVWLE7CD7TW275419. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,125, before any dealer documentation fee. Amount financed $39,445, including $2,320 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,186. 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_WVWLE7CD7TW275419_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", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease.", "inputs": {"msrp": 37125.0, "selling_price": 37125.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 533.22, "net_cap_cost": 37800.0, "residual_value": 23017.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 533.22, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 693.22}, "total_of_payments": 19188, "total_of_payments_unrounded": 19195.92}, "disclosure": "Estimated lease payment for stock #VD262332, VIN WVWLE7CD7TW275419. $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 $37,125. Lease selling price $37,125. Net capitalized cost $37,800. Residual value $23,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWLE7CD7TW275419_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", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease.", "inputs": {"msrp": 37125.0, "selling_price": 37125.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.93, "net_cap_cost": 34801.0, "residual_value": 23017.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.93}, "total_of_payments": 15840, "total_of_payments_unrounded": 15837.48}, "disclosure": "Estimated lease payment for stock #VD262332, VIN WVWLE7CD7TW275419. $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 $37,125. Lease selling price $37,125. Net capitalized cost $34,801. Residual value $23,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 676}}, {"vin": "1V2KC2CAXTC212583", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43676.0, "msrp": 48631.0, "sale_price": 43676.0, "currency": "USD", "mileage": 10, "exterior_color": "Silver Mist Metallic", "interior_color": "Dark Beige/Titan Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": 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"https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2caxtc212583/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KC2CAXTC212583.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CAXTC212583.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KC2CAXTC212583.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2caxtc212583/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,955. This offer applies to Stock #VD261877, VIN 1V2KC2CAXTC212583. 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: $48,631. Advertised price: $43,676. Savings: $4,955, 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": "$48,631"}, {"label": "Advertised price", "value": "$43,676"}, {"label": "Savings", "value": "$4,955, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,955", "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43676.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CAXTC212583_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 886, "unit": "per_month", "display": "$886/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43676.0, "price_incl_doc": 43676.0, "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": 886.19, "amount_financed": 46405.75, "sales_tax": 2729.75, "total_of_payments": 53171.37, "finance_charge": 6765.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261877, VIN 1V2KC2CAXTC212583. $886 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,676, before any dealer documentation fee. Amount financed $46,406, including $2,730 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,171. 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_1V2KC2CAXTC212583_finance_72", "type": "finance_72", "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": 43676.0, "price_incl_doc": 43676.0, "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": 768.86, "amount_financed": 46405.75, "sales_tax": 2729.75, "total_of_payments": 55357.79, "finance_charge": 8952.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261877, VIN 1V2KC2CAXTC212583. $769 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,676, before any dealer documentation fee. Amount financed $46,406, including $2,730 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,358. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CAXTC212583_finance_84", "type": "finance_84", "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": 43676.0, "price_incl_doc": 43676.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 688.87, "amount_financed": 46405.75, "sales_tax": 2729.75, "total_of_payments": 57865.47, "finance_charge": 11459.72, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261877, VIN 1V2KC2CAXTC212583. $689 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,676, before any dealer documentation fee. Amount financed $46,406, including $2,730 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,865. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CAXTC212583_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48631.0, "selling_price": 43676.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 537.83, "net_cap_cost": 44351.0, "residual_value": 30151.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 537.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 697.83}, "total_of_payments": 19368, "total_of_payments_unrounded": 19361.88}, "disclosure": "Estimated lease payment for stock #VD261877, VIN 1V2KC2CAXTC212583. $538 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $698, made up of $538 first payment, $60 title, $100 registration. MSRP $48,631. Lease selling price $43,676. Net capitalized cost $44,351. Residual value $30,151, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CAXTC212583_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48631.0, "selling_price": 43676.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 444.54, "net_cap_cost": 41352.0, "residual_value": 30151.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 444.54, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3603.54}, "total_of_payments": 16020, "total_of_payments_unrounded": 16003.44}, "disclosure": "Estimated lease payment for stock #VD261877, VIN 1V2KC2CAXTC212583. $445 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,604, made up of $445 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,631. Lease selling price $43,676. Net capitalized cost $41,352. Residual value $30,151, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $2,790. This offer applies to Stock #VD262212, VIN 3VVVC7B27TM063233. 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: $34,641. Advertised price: $31,851. 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": "$34,641"}, {"label": "Advertised price", "value": "$31,851"}, {"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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31851.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B27TM063233_finance_60", "type": "finance_60", "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": 31851.0, "price_incl_doc": 31851.0, "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": 646.26, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 38775.57, "finance_charge": 4933.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262212, VIN 3VVVC7B27TM063233. $646 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,776. 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"}, {"offer_id": "of_3VVVC7B27TM063233_finance_72", "type": "finance_72", "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": 31851.0, "price_incl_doc": 31851.0, "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": 560.69, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 40370.03, "finance_charge": 6528.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262212, VIN 3VVVC7B27TM063233. $561 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B27TM063233_finance_84", "type": "finance_84", "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": 31851.0, "price_incl_doc": 31851.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.37, "amount_financed": 33841.69, "sales_tax": 1990.69, "total_of_payments": 42198.76, "finance_charge": 8357.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262212, VIN 3VVVC7B27TM063233. $502 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,851, before any dealer documentation fee. Amount financed $33,842, including $1,991 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,199. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B27TM063233_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 412, "unit": "per_month", "display": "$412/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 412.15, "net_cap_cost": 32526.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 572.15}, "total_of_payments": 14832, "total_of_payments_unrounded": 14837.4}, "disclosure": "Estimated lease payment for stock #VD262212, VIN 3VVVC7B27TM063233. $412 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $572, made up of $412 first payment, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $32,526. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,832. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B27TM063233_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34641.0, "selling_price": 31851.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 318.86, "net_cap_cost": 29527.0, "residual_value": 21477.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 318.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3477.86}, "total_of_payments": 11484, "total_of_payments_unrounded": 11478.96}, "disclosure": "Estimated lease payment for stock #VD262212, VIN 3VVVC7B27TM063233. $319 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,478, made up of $319 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,641. Lease selling price $31,851. Net capitalized cost $29,527. Residual value $21,477, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,484. 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"}], "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": 658}}, {"vin": "1V2HN2CA5TC585342", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 49093.0, "msrp": 49093.0, "sale_price": 44256.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4663", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49093.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca5tc585342/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca5tc585342/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA5TC585342.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA5TC585342.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA5TC585342.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca5tc585342/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4663, VIN 1V2HN2CA5TC585342. Advertised price: $49,093. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$49,093"}], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49093.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA5TC585342_finance_60", "type": "finance_60", "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": 49093.0, "price_incl_doc": 49093.0, "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": 996.1, "amount_financed": 52161.31, "sales_tax": 3068.31, "total_of_payments": 59766.05, "finance_charge": 7604.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4663, VIN 1V2HN2CA5TC585342. $996 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,093, before any dealer documentation fee. Amount financed $52,161, including $3,068 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,766. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA5TC585342_finance_72", "type": "finance_72", "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": 49093.0, "price_incl_doc": 49093.0, "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": 864.22, "amount_financed": 52161.31, "sales_tax": 3068.31, "total_of_payments": 62223.65, "finance_charge": 10062.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4663, VIN 1V2HN2CA5TC585342. $864 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,093, before any dealer documentation fee. Amount financed $52,161, including $3,068 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $62,224. 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_1V2HN2CA5TC585342_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49093.0, "price_incl_doc": 49093.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 774.31, "amount_financed": 52161.31, "sales_tax": 3068.31, "total_of_payments": 65042.34, "finance_charge": 12881.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4663, VIN 1V2HN2CA5TC585342. $774 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,093, before any dealer documentation fee. Amount financed $52,161, including $3,068 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $65,042. 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_1V2HN2CA5TC585342_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49093.0, "selling_price": 49093.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 698.34, "net_cap_cost": 49768.0, "residual_value": 30437.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 698.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 858.34}, "total_of_payments": 25128, "total_of_payments_unrounded": 25140.24}, "disclosure": "Estimated lease payment for stock #W4663, VIN 1V2HN2CA5TC585342. $698 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $858, made up of $698 first payment, $60 title, $100 registration. MSRP $49,093. Lease selling price $49,093. Net capitalized cost $49,768. Residual value $30,438, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,128. 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_1V2HN2CA5TC585342_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49093.0, "selling_price": 49093.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 605.05, "net_cap_cost": 46769.0, "residual_value": 30437.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 605.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3764.05}, "total_of_payments": 21780, "total_of_payments_unrounded": 21781.8}, "disclosure": "Estimated lease payment for stock #W4663, VIN 1V2HN2CA5TC585342. $605 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,764, made up of $605 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,093. Lease selling price $49,093. Net capitalized cost $46,769. Residual value $30,438, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,780. 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": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 658}}, {"vin": "1V2FN2CA7TC582739", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 57198.0, "msrp": 57198.0, "sale_price": 52115.0, "currency": "USD", "mileage": 9, "exterior_color": "Deep Black Pearl", "interior_color": "Shetland Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", 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VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca7tc582739/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA7TC582739.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA7TC582739.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA7TC582739.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca7tc582739/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4586, VIN 1V2FN2CA7TC582739. Advertised price: $57,198. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$57,198"}], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57198.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA7TC582739_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1161, "unit": "per_month", "display": "$1,161/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57198.0, "price_incl_doc": 57198.0, "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": 1160.55, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 69633.13, "finance_charge": 8860.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4586, VIN 1V2FN2CA7TC582739. $1,161 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $69,633. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA7TC582739_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1007, "unit": "per_month", "display": "$1,007/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57198.0, "price_incl_doc": 57198.0, "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": 1006.9, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 72496.46, "finance_charge": 11723.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4586, VIN 1V2FN2CA7TC582739. $1,007 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $72,496. 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"}, {"offer_id": "of_1V2FN2CA7TC582739_finance_84", "type": "finance_84", "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": 57198.0, "price_incl_doc": 57198.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 902.15, "amount_financed": 60772.88, "sales_tax": 3574.88, "total_of_payments": 75780.5, "finance_charge": 15007.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4586, VIN 1V2FN2CA7TC582739. $902 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,198, before any dealer documentation fee. Amount financed $60,773, including $3,575 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $75,780. 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_1V2FN2CA7TC582739_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57198.0, "selling_price": 57198.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 810.17, "net_cap_cost": 57873.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 810.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 970.17}, "total_of_payments": 29160, "total_of_payments_unrounded": 29166.12}, "disclosure": "Estimated lease payment for stock #W4586, VIN 1V2FN2CA7TC582739. $810 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $970, made up of $810 first payment, $60 title, $100 registration. MSRP $57,198. Lease selling price $57,198. Net capitalized cost $57,873. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $29,160. 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_1V2FN2CA7TC582739_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57198.0, "selling_price": 57198.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 716.88, "net_cap_cost": 54874.0, "residual_value": 35462.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 716.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3875.88}, "total_of_payments": 25812, "total_of_payments_unrounded": 25807.68}, "disclosure": "Estimated lease payment for stock #W4586, VIN 1V2FN2CA7TC582739. $717 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,876, made up of $717 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,198. Lease selling price $57,198. Net capitalized cost $54,874. Residual value $35,463, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,812. 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": 33, "elapsed_ms": 674}}, {"vin": "3VWBW7BU8TM020477", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 24926.0, "msrp": 26877.0, "sale_price": 24926.0, "currency": "USD", "mileage": 10, "exterior_color": "Platinum Gray Metallic", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26877.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm020477/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm020477/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU8TM020477.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM020477.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU8TM020477.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu8tm020477/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $1,951. This offer applies to Stock #W4272, VIN 3VWBW7BU8TM020477. 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: $26,877. Advertised price: $24,926. Savings: $1,951, 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": "$26,877"}, {"label": "Advertised price", "value": "$24,926"}, {"label": "Savings", "value": "$1,951, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,951", "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24926.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU8TM020477_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "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": 505.75, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 30345.04, "finance_charge": 3861.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4272, VIN 3VWBW7BU8TM020477. $506 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU8TM020477_finance_72", "type": "finance_72", "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": 24926.0, "price_incl_doc": 24926.0, "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": 438.79, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 31592.83, "finance_charge": 5108.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4272, VIN 3VWBW7BU8TM020477. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,593. 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_3VWBW7BU8TM020477_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24926.0, "price_incl_doc": 24926.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 393.14, "amount_financed": 26483.88, "sales_tax": 1557.88, "total_of_payments": 33023.97, "finance_charge": 6540.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4272, VIN 3VWBW7BU8TM020477. $393 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,926, before any dealer documentation fee. Amount financed $26,484, including $1,558 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,024. 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_3VWBW7BU8TM020477_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 26877.0, "selling_price": 24926.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 331.13, "net_cap_cost": 25601.0, "residual_value": 16663.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 331.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 491.13}, "total_of_payments": 11916, "total_of_payments_unrounded": 11920.68}, "disclosure": "Estimated lease payment for stock #W4272, VIN 3VWBW7BU8TM020477. $331 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $491, made up of $331 first payment, $60 title, $100 registration. MSRP $26,877. Lease selling price $24,926. Net capitalized cost $25,601. Residual value $16,664, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU8TM020477_lease", "type": "lease", "label": "Lease", "headline": {"value": 238, "unit": "per_month", "display": "$238/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,191"}], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34191.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 34191.0, "price_incl_doc": 34191.0, "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": 853.0, "amount_financed": 36327.94, "sales_tax": 2136.94, "total_of_payments": 40943.82, "finance_charge": 4615.88, "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. $853 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,191, before any dealer documentation fee. Amount financed $36,328, including $2,137 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,944. 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_KMTG34TA1PU116085_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": 34191.0, "price_incl_doc": 34191.0, "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": 710.63, "amount_financed": 36327.94, "sales_tax": 2136.94, "total_of_payments": 42637.66, "finance_charge": 6309.72, "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. $711 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,191, before any dealer documentation fee. Amount financed $36,328, including $2,137 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,638. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34191.0, "price_incl_doc": 34191.0, "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": 619.18, "amount_financed": 36327.94, "sales_tax": 2136.94, "total_of_payments": 44581.02, "finance_charge": 8253.08, "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. $619 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,191, before any dealer documentation fee. Amount financed $36,328, including $2,137 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,581. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu3tm026208/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,186. This offer applies to Stock #W4597, VIN 3VW7W7BU3TM026208. 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: $29,681. Advertised price: $27,495. Savings: $2,186, 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": "$29,681"}, {"label": "Advertised price", "value": "$27,495"}, {"label": "Savings", "value": "$2,186, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,186", "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_3VW7W7BU3TM026208_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 #W4597, VIN 3VW7W7BU3TM026208. $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_3VW7W7BU3TM026208_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 #W4597, VIN 3VW7W7BU3TM026208. $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_3VW7W7BU3TM026208_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 #W4597, VIN 3VW7W7BU3TM026208. $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_3VW7W7BU3TM026208_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 363, "unit": "per_month", "display": "$363/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27495.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 362.51, "net_cap_cost": 28170.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 362.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 522.51}, "total_of_payments": 13068, "total_of_payments_unrounded": 13050.36}, "disclosure": "Estimated lease payment for stock #W4597, VIN 3VW7W7BU3TM026208. $363 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $523, made up of $363 first payment, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,495. Net capitalized cost $28,170. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,068. 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_3VW7W7BU3TM026208_lease", "type": "lease", "label": "Lease", "headline": {"value": 269, "unit": "per_month", "display": "$269/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27495.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 269.22, "net_cap_cost": 25171.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 269.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3428.22}, "total_of_payments": 9684, "total_of_payments_unrounded": 9691.92}, "disclosure": "Estimated lease payment for stock #W4597, VIN 3VW7W7BU3TM026208. $269 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,428, made up of $269 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,495. Net capitalized cost $25,171. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,684. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32980.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 32980.0, "price_incl_doc": 32980.0, "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": 822.78, "amount_financed": 35041.25, "sales_tax": 2061.25, "total_of_payments": 39493.64, "finance_charge": 4452.39, "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. $823 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,980, before any dealer documentation fee. Amount financed $35,041, including $2,061 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,494. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 32980.0, "price_incl_doc": 32980.0, "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": 685.46, "amount_financed": 35041.25, "sales_tax": 2061.25, "total_of_payments": 41127.49, "finance_charge": 6086.24, "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. $685 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,980, before any dealer documentation fee. Amount financed $35,041, including $2,061 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,127. 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": 27800.0, "price_incl_doc": 27800.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 3.49, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Hyundai Kona \u2014 Finance", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 537.21, "amount_financed": 29537.5, "sales_tax": 1737.5, "total_of_payments": 32232.38, "finance_charge": 2694.88, "per_1000_financed": 18.19, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260344, VIN KM8HFCAB5TU383235. $537 per month for 60 months at 3.49% APR, $0 cash down. Advertised price $27,800, before any dealer documentation fee. Amount financed $29,538, including $1,738 estimated sales tax at 6.25%. That is $18.19 per $1,000 financed. Total of payments $32,232. 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": 17, "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": "$23,955"}], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23955.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 23955.0, "price_incl_doc": 23955.0, "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": 597.63, "amount_financed": 25452.19, "sales_tax": 1497.19, "total_of_payments": 28686.18, "finance_charge": 3233.99, "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. $598 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,955, before any dealer documentation fee. Amount financed $25,452, including $1,497 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,686. 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_KMHLS4DG2TU159116_finance_60", "type": "finance_60", "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": 23955.0, "price_incl_doc": 23955.0, "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": 497.88, "amount_financed": 25452.19, "sales_tax": 1497.19, "total_of_payments": 29872.93, "finance_charge": 4420.74, "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. $498 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,955, before any dealer documentation fee. Amount financed $25,452, including $1,497 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,873. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca2tc588936/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA2TC588936.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA2TC588936.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA2TC588936.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca2tc588936/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,617. This offer applies to Stock #W4692, VIN 1V2CN2CA2TC588936. 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: $50,628. Advertised price: $45,011. Savings: $5,617, 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": "$50,628"}, {"label": "Advertised price", "value": "$45,011"}, {"label": "Savings", "value": "$5,617, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,617", "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45011.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA2TC588936_finance_60", "type": "finance_60", "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": 45011.0, "price_incl_doc": 45011.0, "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": 913.28, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 54796.61, "finance_charge": 6972.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4692, VIN 1V2CN2CA2TC588936. $913 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,797. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA2TC588936_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 792, "unit": "per_month", "display": "$792/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45011.0, "price_incl_doc": 45011.0, "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": 792.36, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 57049.86, "finance_charge": 9225.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4692, VIN 1V2CN2CA2TC588936. $792 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,050. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA2TC588936_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": 45011.0, "price_incl_doc": 45011.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.93, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 59634.18, "finance_charge": 11809.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4692, VIN 1V2CN2CA2TC588936. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,634. 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_1V2CN2CA2TC588936_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50628.0, "selling_price": 45011.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.79, "net_cap_cost": 45686.0, "residual_value": 31389.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.79}, "total_of_payments": 19620, "total_of_payments_unrounded": 19612.44}, "disclosure": "Estimated lease payment for stock #W4692, VIN 1V2CN2CA2TC588936. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $50,628. Lease selling price $45,011. Net capitalized cost $45,686. Residual value $31,389, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2CN2CA2TC588936_lease", "type": "lease", "label": "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": 50628.0, "selling_price": 45011.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.5, "net_cap_cost": 42687.0, "residual_value": 31389.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.5}, "total_of_payments": 16272, "total_of_payments_unrounded": 16254.0}, "disclosure": "Estimated lease payment for stock #W4692, VIN 1V2CN2CA2TC588936. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,610, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,628. Lease selling price $45,011. Net capitalized cost $42,687. Residual value $31,389, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm057959/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B21TM057959.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM057959.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM057959.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm057959/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,808. This offer applies to Stock #VD262222, VIN 3VVVC7B21TM057959. 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: $35,096. Advertised price: $32,288. Savings: $2,808, 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": "$35,096"}, {"label": "Advertised price", "value": "$32,288"}, {"label": "Savings", "value": "$2,808, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,808", "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32288.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B21TM057959_finance_60", "type": "finance_60", "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": 32288.0, "price_incl_doc": 32288.0, "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": 655.13, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 39307.57, "finance_charge": 5001.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262222, VIN 3VVVC7B21TM057959. $655 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,308. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM057959_finance_72", "type": "finance_72", "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": 32288.0, "price_incl_doc": 32288.0, "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": 568.39, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 40923.9, "finance_charge": 6617.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262222, VIN 3VVVC7B21TM057959. $568 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,924. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM057959_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32288.0, "price_incl_doc": 32288.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 509.26, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 42777.73, "finance_charge": 8471.73, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262222, VIN 3VVVC7B21TM057959. $509 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,778. 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_3VVVC7B21TM057959_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 418, "unit": "per_month", "display": "$418/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35096.0, "selling_price": 32288.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 417.87, "net_cap_cost": 32963.0, "residual_value": 21759.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 417.87, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 577.87}, "total_of_payments": 15048, "total_of_payments_unrounded": 15043.32}, "disclosure": "Estimated lease payment for stock #VD262222, VIN 3VVVC7B21TM057959. $418 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $578, made up of $418 first payment, $60 title, $100 registration. MSRP $35,096. Lease selling price $32,288. Net capitalized cost $32,963. Residual value $21,760, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,048. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM057959_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35096.0, "selling_price": 32288.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 324.58, "net_cap_cost": 29964.0, "residual_value": 21759.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 324.58, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3483.58}, "total_of_payments": 11700, "total_of_payments_unrounded": 11684.88}, "disclosure": "Estimated lease payment for stock #VD262222, VIN 3VVVC7B21TM057959. $325 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,484, made up of $325 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,096. Lease selling price $32,288. Net capitalized cost $29,964. Residual value $21,760, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,700. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 510}}, {"vin": "3VVGR7RM6TM086999", "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": "new", "price": 41463.0, "msrp": 41463.0, "sale_price": 37927.0, "currency": "USD", "mileage": 9, "exterior_color": "Deep Black Pearl", "interior_color": "Crystal Gray", "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": "W4465", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41463.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm086999/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm086999/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM6TM086999.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM086999.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM6TM086999.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm6tm086999/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4465, VIN 3VVGR7RM6TM086999. Advertised price: $41,463. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$41,463"}], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41463.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM6TM086999_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41463.0, "price_incl_doc": 41463.0, "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": 841.29, "amount_financed": 44054.44, "sales_tax": 2591.44, "total_of_payments": 50477.26, "finance_charge": 6422.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4465, VIN 3VVGR7RM6TM086999. $841 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,463, before any dealer documentation fee. Amount financed $44,054, including $2,591 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,477. 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_3VVGR7RM6TM086999_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41463.0, "price_incl_doc": 41463.0, "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": 729.9, "amount_financed": 44054.44, "sales_tax": 2591.44, "total_of_payments": 52552.9, "finance_charge": 8498.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4465, VIN 3VVGR7RM6TM086999. $730 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,463, before any dealer documentation fee. Amount financed $44,054, including $2,591 estimated sales tax at 6.25%. That is $16.57 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM6TM086999_finance_84", "type": "finance_84", "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": 41463.0, "price_incl_doc": 41463.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.97, "amount_financed": 44054.44, "sales_tax": 2591.44, "total_of_payments": 54933.51, "finance_charge": 10879.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4465, VIN 3VVGR7RM6TM086999. $654 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,463, before any dealer documentation fee. Amount financed $44,054, including $2,591 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,934. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM6TM086999_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": 41463.0, "selling_price": 41463.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 593.07, "net_cap_cost": 42138.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 593.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 753.07}, "total_of_payments": 21348, "total_of_payments_unrounded": 21350.52}, "disclosure": "Estimated lease payment for stock #W4465, VIN 3VVGR7RM6TM086999. $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 $41,463. Lease selling price $41,463. Net capitalized cost $42,138. Residual value $25,707, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM6TM086999_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": 41463.0, "selling_price": 41463.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 499.78, "net_cap_cost": 39139.0, "residual_value": 25707.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 499.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3658.78}, "total_of_payments": 18000, "total_of_payments_unrounded": 17992.08}, "disclosure": "Estimated lease payment for stock #W4465, VIN 3VVGR7RM6TM086999. $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 $41,463. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$20,999"}], "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": "2026-07-26T16:50:40Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20999.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5N1BT3ABXPC879898_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": 20999.0, "price_incl_doc": 20999.0, "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": 523.88, "amount_financed": 22311.44, "sales_tax": 1312.44, "total_of_payments": 25146.36, "finance_charge": 2834.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260290A, VIN 5N1BT3ABXPC879898. $524 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,999, before any dealer documentation fee. Amount financed $22,311, including $1,312 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,146. 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_5N1BT3ABXPC879898_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": 20999.0, "price_incl_doc": 20999.0, "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": 436.44, "amount_financed": 22311.44, "sales_tax": 1312.44, "total_of_payments": 26186.67, "finance_charge": 3875.23, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260290A, VIN 5N1BT3ABXPC879898. $436 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,999, before any dealer documentation fee. Amount financed $22,311, including $1,312 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,187. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5N1BT3ABXPC879898_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20999.0, "price_incl_doc": 20999.0, "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": 380.28, "amount_financed": 22311.44, "sales_tax": 1312.44, "total_of_payments": 27380.21, "finance_charge": 5068.77, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260290A, VIN 5N1BT3ABXPC879898. $380 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,999, before any dealer documentation fee. Amount financed $22,311, including $1,312 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,380. 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"}], "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 $3,512. This offer applies to Stock #W4725, VIN 3VVGR7RM5TM140101. 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: $41,681. Advertised price: $38,169. Savings: $3,512, 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": "$41,681"}, {"label": "Advertised price", "value": "$38,169"}, {"label": "Savings", "value": "$3,512, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,512", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38169.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM5TM140101_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38169.0, "price_incl_doc": 38169.0, "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": 774.45, "amount_financed": 40554.56, "sales_tax": 2385.56, "total_of_payments": 46467.12, "finance_charge": 5912.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4725, VIN 3VVGR7RM5TM140101. $774 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,169, before any dealer documentation fee. Amount financed $40,555, including $2,386 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,467. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM5TM140101_finance_72", "type": "finance_72", "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": 38169.0, "price_incl_doc": 38169.0, "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": 671.91, "amount_financed": 40554.56, "sales_tax": 2385.56, "total_of_payments": 48377.86, "finance_charge": 7823.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4725, VIN 3VVGR7RM5TM140101. $672 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,169, before any dealer documentation fee. Amount financed $40,555, including $2,386 estimated sales tax at 6.25%. That is $16.57 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_3VVGR7RM5TM140101_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": 38169.0, "price_incl_doc": 38169.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 602.02, "amount_financed": 40554.56, "sales_tax": 2385.56, "total_of_payments": 50569.35, "finance_charge": 10014.79, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4725, VIN 3VVGR7RM5TM140101. $602 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,169, before any dealer documentation fee. Amount financed $40,555, including $2,386 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,569. 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_3VVGR7RM5TM140101_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": 41681.0, "selling_price": 38169.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 486.83, "net_cap_cost": 38844.0, "residual_value": 25842.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 486.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 646.83}, "total_of_payments": 17532, "total_of_payments_unrounded": 17525.88}, "disclosure": "Estimated lease payment for stock #W4725, VIN 3VVGR7RM5TM140101. $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 $41,681. Lease selling price $38,169. Net capitalized cost $38,844. Residual value $25,842, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM5TM140101_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": 41681.0, "selling_price": 38169.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 393.53, "net_cap_cost": 35845.0, "residual_value": 25842.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 393.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3552.53}, "total_of_payments": 14184, "total_of_payments_unrounded": 14167.08}, "disclosure": "Estimated lease payment for stock #W4725, VIN 3VVGR7RM5TM140101. $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 $41,681. Lease selling price $38,169. Net capitalized cost $35,845. Residual value $25,842, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 489}}, {"vin": "3VVVC7B28TM053651", "title": "2026 Volkswagen Taos SE", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 32471.0, "msrp": 34962.0, "sale_price": 32471.0, "currency": "USD", "mileage": 11, "exterior_color": "Pure White", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4410", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b28tm053651/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b28tm053651/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B28TM053651.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B28TM053651.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B28TM053651.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b28tm053651/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,491. This offer applies to Stock #W4410, VIN 3VVVC7B28TM053651. 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: $34,962. Advertised price: $32,471. Savings: $2,491, 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": "$34,962"}, {"label": "Advertised price", "value": "$32,471"}, {"label": "Savings", "value": "$2,491, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,491", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32471.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B28TM053651_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": 32471.0, "price_incl_doc": 32471.0, "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": 658.84, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 39530.36, "finance_charge": 5029.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4410, VIN 3VVVC7B28TM053651. $659 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,530. 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"}, {"offer_id": "of_3VVVC7B28TM053651_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": 32471.0, "price_incl_doc": 32471.0, "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": 571.61, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 41155.85, "finance_charge": 6655.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4410, VIN 3VVVC7B28TM053651. $572 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,156. 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_3VVVC7B28TM053651_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32471.0, "price_incl_doc": 32471.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 512.15, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 43020.19, "finance_charge": 8519.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4410, VIN 3VVVC7B28TM053651. $512 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,020. 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_3VVVC7B28TM053651_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 425.88, "net_cap_cost": 33146.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 425.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 585.88}, "total_of_payments": 15336, "total_of_payments_unrounded": 15331.68}, "disclosure": "Estimated lease payment for stock #W4410, VIN 3VVVC7B28TM053651. $426 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $586, made up of $426 first payment, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $33,146. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B28TM053651_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 332.59, "net_cap_cost": 30147.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 332.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3491.59}, "total_of_payments": 11988, "total_of_payments_unrounded": 11973.24}, "disclosure": "Estimated lease payment for stock #W4410, VIN 3VVVC7B28TM053651. $333 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,492, made up of $333 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $30,147. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 489}}, {"vin": "3VVBR7RM3TM000638", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "new", "price": 30551.0, "msrp": 34085.0, "sale_price": 30551.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio", "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": "VD261691", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm3tm000638/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVBR7RM3TM000638.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM3TM000638.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM3TM000638.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm3tm000638/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,534. This offer applies to Stock #VD261691, VIN 3VVBR7RM3TM000638. 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: $30,551. Savings: $3,534, 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": "$30,551"}, {"label": "Savings", "value": "$3,534, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,534", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30551.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM3TM000638_finance_60", "type": "finance_60", "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": 30551.0, "price_incl_doc": 30551.0, "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": 619.88, "amount_financed": 32460.44, "sales_tax": 1909.44, "total_of_payments": 37192.94, "finance_charge": 4732.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261691, VIN 3VVBR7RM3TM000638. $620 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,551, before any dealer documentation fee. Amount financed $32,460, including $1,909 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,193. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM3TM000638_finance_72", "type": "finance_72", "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": 30551.0, "price_incl_doc": 30551.0, "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": 537.81, "amount_financed": 32460.44, "sales_tax": 1909.44, "total_of_payments": 38722.32, "finance_charge": 6261.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261691, VIN 3VVBR7RM3TM000638. $538 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,551, before any dealer documentation fee. Amount financed $32,460, including $1,909 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,722. 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_3VVBR7RM3TM000638_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": 30551.0, "price_incl_doc": 30551.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 481.86, "amount_financed": 32460.44, "sales_tax": 1909.44, "total_of_payments": 40476.42, "finance_charge": 8015.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261691, VIN 3VVBR7RM3TM000638. $482 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,551, before any dealer documentation fee. Amount financed $32,460, including $1,909 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,476. 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_3VVBR7RM3TM000638_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34085.0, "selling_price": 30551.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 381.34, "net_cap_cost": 31226.0, "residual_value": 21132.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 381.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 541.34}, "total_of_payments": 13716, "total_of_payments_unrounded": 13728.24}, "disclosure": "Estimated lease payment for stock #VD261691, VIN 3VVBR7RM3TM000638. $381 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $541, made up of $381 first payment, $60 title, $100 registration. MSRP $34,085. Lease selling price $30,551. Net capitalized cost $31,226. Residual value $21,133, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM3TM000638_lease", "type": "lease", "label": "Lease", "headline": {"value": 288, "unit": "per_month", "display": "$288/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not 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": 30551.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 288.05, "net_cap_cost": 28227.0, "residual_value": 21132.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 288.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3447.05}, "total_of_payments": 10368, "total_of_payments_unrounded": 10369.8}, "disclosure": "Estimated lease payment for stock #VD261691, VIN 3VVBR7RM3TM000638. $288 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,447, made up of $288 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,085. Lease selling price $30,551. Net capitalized cost $28,227. Residual value $21,133, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 482}}, {"vin": "3VVUW7RM0TM143032", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 45566.0, "msrp": 45566.0, "sale_price": 45566.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Black Pearl", "interior_color": null, "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": 29, "range_miles": null, "battery_kwh": null, "stock_number": "VD262306", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/ad5934d54e29428392b3a6dd7e1b0a9b.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/ad5934d54e29428392b3a6dd7e1b0a9b.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/9623aef18f1948a784046fd84b7e1b84.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/7c35520ba37b4b199a5d6756e80a7b21.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/adacff3ed3fb4573a1e0be6cc266a2e8.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/8135a3c480e74807b1961dd485658d57.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/cebcdbdbe11445aa8b46f9a752d5420b.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/f1895aa8e28347208cfc36c130ed0078.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SEL R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45566.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm0tm143032/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm0tm143032/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM0TM143032.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM0TM143032.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM0TM143032.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm0tm143032/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262306, VIN 3VVUW7RM0TM143032. Advertised price: $45,566. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$45,566"}], "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45566.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM0TM143032_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 925, "unit": "per_month", "display": "$925/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45566.0, "price_incl_doc": 45566.0, "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": 924.54, "amount_financed": 48413.88, "sales_tax": 2847.88, "total_of_payments": 55472.28, "finance_charge": 7058.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262306, VIN 3VVUW7RM0TM143032. $925 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,566, before any dealer documentation fee. Amount financed $48,414, including $2,848 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,472. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM0TM143032_finance_72", "type": "finance_72", "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": 45566.0, "price_incl_doc": 45566.0, "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": 802.13, "amount_financed": 48413.88, "sales_tax": 2847.88, "total_of_payments": 57753.31, "finance_charge": 9339.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262306, VIN 3VVUW7RM0TM143032. $802 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,566, before any dealer documentation fee. Amount financed $48,414, including $2,848 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,753. 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_3VVUW7RM0TM143032_finance_84", "type": "finance_84", "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": 45566.0, "price_incl_doc": 45566.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.68, "amount_financed": 48413.88, "sales_tax": 2847.88, "total_of_payments": 60369.5, "finance_charge": 11955.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262306, VIN 3VVUW7RM0TM143032. $719 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,566, before any dealer documentation fee. Amount financed $48,414, including $2,848 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM0TM143032_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45566.0, "selling_price": 45566.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 649.68, "net_cap_cost": 46241.0, "residual_value": 28250.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 649.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 809.68}, "total_of_payments": 23400, "total_of_payments_unrounded": 23388.48}, "disclosure": "Estimated lease payment for stock #VD262306, VIN 3VVUW7RM0TM143032. $650 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $810, made up of $650 first payment, $60 title, $100 registration. MSRP $45,566. Lease selling price $45,566. Net capitalized cost $46,241. Residual value $28,251, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,400. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM0TM143032_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45566.0, "selling_price": 45566.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 556.39, "net_cap_cost": 43242.0, "residual_value": 28250.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3715.39}, "total_of_payments": 20016, "total_of_payments_unrounded": 20030.04}, "disclosure": "Estimated lease payment for stock #VD262306, VIN 3VVUW7RM0TM143032. $556 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,715, made up of $556 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,566. Lease selling price $45,566. Net capitalized cost $43,242. Residual value $28,251, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,016. 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": 33, "elapsed_ms": 491}}, {"vin": "5FNYF6H61GB110161", "title": "2016 Honda Pilot EX-L", "year": 2016, "make": "Honda", "model": "Pilot", "trim": "EX-L", "decoded_trim": "EXL SENSING", "condition": "used", "price": 16310.0, "msrp": 16310.0, "sale_price": 16598.0, "currency": "USD", "mileage": 110608, "exterior_color": "White Diamond Pearl", "interior_color": "Beige", "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.", "lines": [{"label": "Advertised price", "value": "$16,310"}], "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16310.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16310.0, "price_incl_doc": 16310.0, "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": 406.9, "amount_financed": 17329.38, "sales_tax": 1019.38, "total_of_payments": 19531.27, "finance_charge": 2201.89, "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. $407 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,310, before any dealer documentation fee. Amount financed $17,329, including $1,019 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $19,531. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16310.0, "price_incl_doc": 16310.0, "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": 338.99, "amount_financed": 17329.38, "sales_tax": 1019.38, "total_of_payments": 20339.28, "finance_charge": 3009.9, "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. $339 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,310, before any dealer documentation fee. Amount financed $17,329, including $1,019 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,339. 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_5FNYF6H61GB110161_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16310.0, "price_incl_doc": 16310.0, "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": 295.37, "amount_financed": 17329.38, "sales_tax": 1019.38, "total_of_payments": 21266.32, "finance_charge": 3936.94, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0937A, VIN 5FNYF6H61GB110161. $295 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,310, before any dealer documentation fee. Amount financed $17,329, including $1,019 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,266. 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"}], "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": 36779.0, "price_incl_doc": 36779.0, "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": 746.25, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 44774.94, "finance_charge": 5697.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4696, VIN 3VVER7RMXTM115718. $746 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,775. 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_3VVER7RMXTM115718_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 647, "unit": "per_month", "display": "$647/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36779.0, "price_incl_doc": 36779.0, "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": 647.45, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 46616.09, "finance_charge": 7538.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4696, VIN 3VVER7RMXTM115718. $647 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,616. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RMXTM115718_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": 36779.0, "price_incl_doc": 36779.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.09, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 48727.77, "finance_charge": 9650.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4696, VIN 3VVER7RMXTM115718. $580 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,728. 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_3VVER7RMXTM115718_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": 36779.0, "selling_price": 36779.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.44, "net_cap_cost": 37454.0, "residual_value": 22802.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.44, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.44}, "total_of_payments": 19008, "total_of_payments_unrounded": 19023.84}, "disclosure": "Estimated lease payment for stock #W4696, VIN 3VVER7RMXTM115718. $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 $36,779. Lease selling price $36,779. Net capitalized cost $37,454. Residual value $22,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVER7RMXTM115718_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": 36779.0, "selling_price": 36779.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.15, "net_cap_cost": 34455.0, "residual_value": 22802.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.15, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.15}, "total_of_payments": 15660, "total_of_payments_unrounded": 15665.4}, "disclosure": "Estimated lease payment for stock #W4696, VIN 3VVER7RMXTM115718. $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 $36,779. Lease selling price $36,779. Net capitalized cost $34,455. Residual value $22,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 33, "elapsed_ms": 479}}, {"vin": "JM3KFBDY4S0713786", "title": "2025 Mazda CX-5 2.5 Turbo Premium Package", "year": 2025, "make": "Mazda", "model": "CX-5", "trim": "2.5 Turbo Premium Package", "decoded_trim": "Premium", "condition": "used", "price": 36777.0, "msrp": 36777.0, "sale_price": 36777.0, "currency": "USD", "mileage": 7305, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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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 #PDM0917, VIN JM3KFBDY4S0713786. Advertised price: $36,777. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$36,777"}], "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36777.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBDY4S0713786_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 918, "unit": "per_month", "display": "$918/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36777.0, "price_incl_doc": 36777.0, "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": 917.51, "amount_financed": 39075.56, "sales_tax": 2298.56, "total_of_payments": 44040.55, "finance_charge": 4964.99, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0917, VIN JM3KFBDY4S0713786. $918 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,777, before any dealer documentation fee. Amount financed $39,076, including $2,299 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,041. 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_JM3KFBDY4S0713786_finance_60", "type": "finance_60", "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": 36777.0, "price_incl_doc": 36777.0, "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": 764.38, "amount_financed": 39075.56, "sales_tax": 2298.56, "total_of_payments": 45862.51, "finance_charge": 6786.95, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0917, VIN JM3KFBDY4S0713786. $764 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,777, before any dealer documentation fee. Amount financed $39,076, including $2,299 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,863. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDY4S0713786_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36777.0, "price_incl_doc": 36777.0, "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": 666.01, "amount_financed": 39075.56, "sales_tax": 2298.56, "total_of_payments": 47952.85, "finance_charge": 8877.29, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0917, VIN JM3KFBDY4S0713786. $666 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $36,777, before any dealer documentation fee. Amount financed $39,076, including $2,299 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $47,953. 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"}], "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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"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 #VD262311, VIN WVWLE7CD3TW259265. Advertised price: $37,125. 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": "$37,125"}], "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37125.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD3TW259265_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": 37125.0, "price_incl_doc": 37125.0, "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": 753.27, "amount_financed": 39445.31, "sales_tax": 2320.31, "total_of_payments": 45196.15, "finance_charge": 5750.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262311, VIN WVWLE7CD3TW259265. $753 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,125, before any dealer documentation fee. Amount financed $39,445, including $2,320 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,196. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD3TW259265_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": 37125.0, "price_incl_doc": 37125.0, "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": 653.54, "amount_financed": 39445.31, "sales_tax": 2320.31, "total_of_payments": 47054.63, "finance_charge": 7609.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262311, VIN WVWLE7CD3TW259265. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,125, before any dealer documentation fee. Amount financed $39,445, including $2,320 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,055. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD3TW259265_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": 37125.0, "price_incl_doc": 37125.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.55, "amount_financed": 39445.31, "sales_tax": 2320.31, "total_of_payments": 49186.17, "finance_charge": 9740.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262311, VIN WVWLE7CD3TW259265. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,125, before any dealer documentation fee. Amount financed $39,445, including $2,320 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,186. 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_WVWLE7CD3TW259265_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": 37125.0, "selling_price": 37125.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 533.22, "net_cap_cost": 37800.0, "residual_value": 23017.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 533.22, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 693.22}, "total_of_payments": 19188, "total_of_payments_unrounded": 19195.92}, "disclosure": "Estimated lease payment for stock #VD262311, VIN WVWLE7CD3TW259265. $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 $37,125. Lease selling price $37,125. Net capitalized cost $37,800. Residual value $23,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWLE7CD3TW259265_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": 37125.0, "selling_price": 37125.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.93, "net_cap_cost": 34801.0, "residual_value": 23017.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.93}, "total_of_payments": 15840, "total_of_payments_unrounded": 15837.48}, "disclosure": "Estimated lease payment for stock #VD262311, VIN WVWLE7CD3TW259265. $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 $37,125. Lease selling price $37,125. Net capitalized cost $34,801. Residual value $23,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 33, "elapsed_ms": 364}}, {"vin": "5NMJBCDE1TH611116", "title": "2026 Hyundai Tucson SEL", "year": 2026, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL, SEL Plus", "condition": "used", "price": 29795.0, "msrp": 29795.0, "sale_price": 30999.0, "currency": "USD", "mileage": 770, "exterior_color": "Hampton 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": "LHD260360", "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/d1aea5f64bdb42528f1e6837bb233d84.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d1aea5f64bdb42528f1e6837bb233d84.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33f9a74ae7f74650a23c62d214cfc4e7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a4b8441c079248e1806c6a08137e852a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9abfcc72566e41f0915552d3e0665643.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ea801354b9d45c1bed376f5ae352d0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17d1e24b8a5e4c75ac69e99f40ee5c92.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/315431fd095c44b4af401c4213661a26.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aaa2b78cf1f04d0da23099cd8f1e28c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b75e0c4677574ed6b9a26bfac11ad0a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/591176836f2c49e8ac67671078100858.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4d7d41dc1470406f87a9801f1b74a93f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/58a8ab9c9d464dac837abb8755ed7a96.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15295a9fd2574b3a98a9080965ae0d74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6aee76a80fc14efa928e2e7ffaecbfb3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41745e0b8c1345818b285a13a5f22499.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb93b67fea164f8caecd3134c7275814.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/187792fbf7924436a4198dead3217438.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d21f5b6d9024f62a58c977515cf2021.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5587eac61c55453cb23e89889e2912de.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/355f30362e17476ea954c7897ee85705.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc5e9c03a3f34aac8844ee8d25f99b24.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": 29795.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/5NMJBCDE1TH611116.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde1th611116/2026-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde1th611116/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/5NMJBCDE1TH611116.html", "json_url": "https://ai.castlevwdownersgrove.com/v/5NMJBCDE1TH611116.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/5NMJBCDE1TH611116.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/5nmjbcde1th611116/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #LHD260360, VIN 5NMJBCDE1TH611116. Advertised price: $29,795. 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": "$29,795"}], "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29795.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCDE1TH611116_finance_48", "type": "finance_48", "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": 29795.0, "price_incl_doc": 29795.0, "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": 743.32, "amount_financed": 31657.19, "sales_tax": 1862.19, "total_of_payments": 35679.59, "finance_charge": 4022.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260360, VIN 5NMJBCDE1TH611116. $743 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,795, before any dealer documentation fee. Amount financed $31,657, including $1,862 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,680. 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_5NMJBCDE1TH611116_finance_60", "type": "finance_60", "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": 29795.0, "price_incl_doc": 29795.0, "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": 619.26, "amount_financed": 31657.19, "sales_tax": 1862.19, "total_of_payments": 37155.66, "finance_charge": 5498.47, "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. $619 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,795, before any dealer documentation fee. Amount financed $31,657, including $1,862 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,156. 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_5NMJBCDE1TH611116_finance_72", "type": "finance_72", "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": 29795.0, "price_incl_doc": 29795.0, "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": 539.57, "amount_financed": 31657.19, "sales_tax": 1862.19, "total_of_payments": 38849.16, "finance_charge": 7191.97, "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. $540 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,795, before any dealer documentation fee. Amount financed $31,657, including $1,862 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,849. 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"}], "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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[], "price_history": [], "window_sticker": {"msrp": 34576.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b25tm058807/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b25tm058807/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B25TM058807.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B25TM058807.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B25TM058807.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b25tm058807/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,417. This offer applies to Stock #W4463, VIN 3VVVC7B25TM058807. 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: $34,576. Advertised price: $32,159. Savings: $2,417, 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": "$34,576"}, {"label": "Advertised price", "value": "$32,159"}, {"label": "Savings", "value": "$2,417, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,417", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B25TM058807_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": 32159.0, "price_incl_doc": 32159.0, "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": 652.51, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 39150.53, "finance_charge": 4981.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4463, VIN 3VVVC7B25TM058807. $653 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,151. 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_3VVVC7B25TM058807_finance_72", "type": "finance_72", "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": 32159.0, "price_incl_doc": 32159.0, "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": 566.12, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 40760.4, "finance_charge": 6591.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4463, VIN 3VVVC7B25TM058807. $566 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,760. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B25TM058807_finance_84", "type": "finance_84", "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": 32159.0, "price_incl_doc": 32159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.22, "amount_financed": 34168.94, "sales_tax": 2009.94, "total_of_payments": 42606.82, "finance_charge": 8437.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4463, VIN 3VVVC7B25TM058807. $507 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,159, before any dealer documentation fee. Amount financed $34,169, including $2,010 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,607. 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_3VVVC7B25TM058807_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.86, "net_cap_cost": 32834.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.86}, "total_of_payments": 15228, "total_of_payments_unrounded": 15222.96}, "disclosure": "Estimated lease payment for stock #W4463, VIN 3VVVC7B25TM058807. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $32,834. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B25TM058807_lease", "type": "lease", "label": "Lease", "headline": {"value": 330, "unit": "per_month", "display": "$330/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34576.0, "selling_price": 32159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.57, "net_cap_cost": 29835.0, "residual_value": 21437.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.57}, "total_of_payments": 11880, "total_of_payments_unrounded": 11864.52}, "disclosure": "Estimated lease payment for stock #W4463, VIN 3VVVC7B25TM058807. $330 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,489, made up of $330 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,576. Lease selling price $32,159. Net capitalized cost $29,835. Residual value $21,437, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,880. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 352}}, {"vin": "1V2HN2CA9TC581536", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44010.0, "msrp": 48893.0, "sale_price": 44010.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4580", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48893.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc581536/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc581536/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA9TC581536.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA9TC581536.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA9TC581536.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca9tc581536/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,883. This offer applies to Stock #W4580, VIN 1V2HN2CA9TC581536. 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: $48,893. Advertised price: $44,010. Savings: $4,883, 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": "$48,893"}, {"label": "Advertised price", "value": "$44,010"}, {"label": "Savings", "value": "$4,883, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,883", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA9TC581536_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 893, "unit": "per_month", "display": "$893/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "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": 892.97, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 53577.99, "finance_charge": 6817.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4580, VIN 1V2HN2CA9TC581536. $893 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,578. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA9TC581536_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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "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": 774.74, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 55781.13, "finance_charge": 9020.5, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4580, VIN 1V2HN2CA9TC581536. $775 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,781. 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_1V2HN2CA9TC581536_finance_84", "type": "finance_84", "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": 44010.0, "price_incl_doc": 44010.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.14, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 58307.98, "finance_charge": 11547.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4580, VIN 1V2HN2CA9TC581536. $694 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,308. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA9TC581536_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": 48893.0, "selling_price": 44010.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 543.68, "net_cap_cost": 44685.0, "residual_value": 30313.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 543.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 703.68}, "total_of_payments": 19584, "total_of_payments_unrounded": 19572.48}, "disclosure": "Estimated lease payment for stock #W4580, VIN 1V2HN2CA9TC581536. $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 $48,893. Lease selling price $44,010. Net capitalized cost $44,685. Residual value $30,314, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA9TC581536_lease", "type": "lease", "label": "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": 48893.0, "selling_price": 44010.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 450.39, "net_cap_cost": 41686.0, "residual_value": 30313.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 450.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3609.39}, "total_of_payments": 16200, "total_of_payments_unrounded": 16214.04}, "disclosure": "Estimated lease payment for stock #W4580, VIN 1V2HN2CA9TC581536. $450 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,609, made up of $450 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,893. Lease selling price $44,010. Net capitalized cost $41,686. Residual value $30,314, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 327}}, {"vin": "3VVUW7RM6TM141589", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 44629.0, "msrp": 45803.0, "sale_price": 44629.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Amber Brown", "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": 29, "range_miles": null, "battery_kwh": null, "stock_number": "W4729", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/58370beb7b244ab196a1b75405b54748.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/58370beb7b244ab196a1b75405b54748.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/c139f573f8fa48f4a46524c22a0c6064.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/256be5e04d734643a691e28035583bca.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/58c7b8d1877c4cd7adf34c1e12447129.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/03ad16868e174428b52424431a17da36.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/f17bf1c913954cec9e19a37494e759a7.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/58bbcfcbac754ff5a2b386d96653cd9a.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SEL R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45803.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm6tm141589/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm6tm141589/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM6TM141589.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM6TM141589.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM6TM141589.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm6tm141589/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $1,174. This offer applies to Stock #W4729, VIN 3VVUW7RM6TM141589. 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: $45,803. Advertised price: $44,629. Savings: $1,174, 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": "$45,803"}, {"label": "Advertised price", "value": "$44,629"}, {"label": "Savings", "value": "$1,174, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,174", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44629.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM6TM141589_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 906, "unit": "per_month", "display": "$906/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44629.0, "price_incl_doc": 44629.0, "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": 905.53, "amount_financed": 47418.31, "sales_tax": 2789.31, "total_of_payments": 54331.56, "finance_charge": 6913.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4729, VIN 3VVUW7RM6TM141589. $906 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,629, before any dealer documentation fee. Amount financed $47,418, including $2,789 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,332. 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_3VVUW7RM6TM141589_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": 44629.0, "price_incl_doc": 44629.0, "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": 785.63, "amount_financed": 47418.31, "sales_tax": 2789.31, "total_of_payments": 56565.69, "finance_charge": 9147.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4729, VIN 3VVUW7RM6TM141589. $786 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,629, before any dealer documentation fee. Amount financed $47,418, including $2,789 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,566. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM6TM141589_finance_84", "type": "finance_84", "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": 44629.0, "price_incl_doc": 44629.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.91, "amount_financed": 47418.31, "sales_tax": 2789.31, "total_of_payments": 59128.07, "finance_charge": 11709.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4729, VIN 3VVUW7RM6TM141589. $704 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,629, before any dealer documentation fee. Amount financed $47,418, including $2,789 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,128. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM6TM141589_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": 45803.0, "selling_price": 44629.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 616.43, "net_cap_cost": 45304.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 616.43, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 776.43}, "total_of_payments": 22176, "total_of_payments_unrounded": 22191.48}, "disclosure": "Estimated lease payment for stock #W4729, VIN 3VVUW7RM6TM141589. $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 $45,803. Lease selling price $44,629. Net capitalized cost $45,304. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVUW7RM6TM141589_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": 45803.0, "selling_price": 44629.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 523.14, "net_cap_cost": 42305.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 523.14, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3682.14}, "total_of_payments": 18828, "total_of_payments_unrounded": 18833.04}, "disclosure": "Estimated lease payment for stock #W4729, VIN 3VVUW7RM6TM141589. $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 $45,803. Lease selling price $44,629. Net capitalized cost $42,305. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": "3VVGR7RM7TM139483", "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": "new", "price": 38306.0, "msrp": 41858.0, "sale_price": 38306.0, "currency": "USD", "mileage": 5, "exterior_color": "Sandstone w/Deep Black Roof", "interior_color": "Grigio & 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": "W4739", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/6ad81e8325ad47b9a9df0757cac14d7b.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/6ad81e8325ad47b9a9df0757cac14d7b.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/3bfbf29e90cf42cf9dd09ac3d77214b4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/0194ab08c30c448b8473ef719f39dd88.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/e3c69faec28747c3931846cc0f48bc33.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/512b9b30c94042b3966c3c23b066e454.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/477522b0782e47ac989bb1d0db940f02.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/cae1154402d84c368e72b56844e5bbde.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41858.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm139483/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm139483/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM7TM139483.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM7TM139483.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM7TM139483.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm7tm139483/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,552. This offer applies to Stock #W4739, VIN 3VVGR7RM7TM139483. 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: $41,858. Advertised price: $38,306. Savings: $3,552, 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": "$41,858"}, {"label": "Advertised price", "value": "$38,306"}, {"label": "Savings", "value": "$3,552, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,552", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38306.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM7TM139483_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": 38306.0, "price_incl_doc": 38306.0, "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": 777.23, "amount_financed": 40700.13, "sales_tax": 2394.13, "total_of_payments": 46633.92, "finance_charge": 5933.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4739, VIN 3VVGR7RM7TM139483. $777 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,306, before any dealer documentation fee. Amount financed $40,700, including $2,394 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,634. 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_3VVGR7RM7TM139483_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": 38306.0, "price_incl_doc": 38306.0, "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": 674.33, "amount_financed": 40700.13, "sales_tax": 2394.13, "total_of_payments": 48551.51, "finance_charge": 7851.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4739, VIN 3VVGR7RM7TM139483. $674 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,306, before any dealer documentation fee. Amount financed $40,700, including $2,394 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,552. 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_3VVGR7RM7TM139483_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": 38306.0, "price_incl_doc": 38306.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.18, "amount_financed": 40700.13, "sales_tax": 2394.13, "total_of_payments": 50750.87, "finance_charge": 10050.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4739, VIN 3VVGR7RM7TM139483. $604 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,306, before any dealer documentation fee. Amount financed $40,700, including $2,394 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,751. 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_3VVGR7RM7TM139483_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": 41858.0, "selling_price": 38306.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.02, "net_cap_cost": 38981.0, "residual_value": 25951.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.02, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 648.02}, "total_of_payments": 17568, "total_of_payments_unrounded": 17568.72}, "disclosure": "Estimated lease payment for stock #W4739, VIN 3VVGR7RM7TM139483. $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 $41,858. Lease selling price $38,306. Net capitalized cost $38,981. Residual value $25,952, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM7TM139483_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": 41858.0, "selling_price": 38306.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 394.73, "net_cap_cost": 35982.0, "residual_value": 25951.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 394.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3553.73}, "total_of_payments": 14220, "total_of_payments_unrounded": 14210.28}, "disclosure": "Estimated lease payment for stock #W4739, VIN 3VVGR7RM7TM139483. $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 $41,858. Lease selling price $38,306. Net capitalized cost $35,982. Residual value $25,952, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": "3VVGR7RM9TM020074", "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": "new", "price": 37683.0, "msrp": 41167.0, "sale_price": 37683.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "W4206", "stock_status": 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41167.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm020074/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm020074/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM9TM020074.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM020074.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM020074.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm020074/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,484. This offer applies to Stock #W4206, VIN 3VVGR7RM9TM020074. 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: $41,167. Advertised price: $37,683. Savings: $3,484, 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": "$41,167"}, {"label": "Advertised price", "value": "$37,683"}, {"label": "Savings", "value": "$3,484, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,484", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37683.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM9TM020074_finance_60", "type": "finance_60", "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": 37683.0, "price_incl_doc": 37683.0, "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": 764.59, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 45875.47, "finance_charge": 5837.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4206, VIN 3VVGR7RM9TM020074. $765 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,875. 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_3VVGR7RM9TM020074_finance_72", "type": "finance_72", "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": 37683.0, "price_incl_doc": 37683.0, "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": 663.36, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 47761.88, "finance_charge": 7723.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4206, VIN 3VVGR7RM9TM020074. $663 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,762. 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_3VVGR7RM9TM020074_finance_84", "type": "finance_84", "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": 37683.0, "price_incl_doc": 37683.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 594.35, "amount_financed": 40038.19, "sales_tax": 2355.19, "total_of_payments": 49925.46, "finance_charge": 9887.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4206, VIN 3VVGR7RM9TM020074. $594 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,683, before any dealer documentation fee. Amount financed $40,038, including $2,355 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,925. 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_3VVGR7RM9TM020074_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": 41167.0, "selling_price": 37683.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 480.61, "net_cap_cost": 38358.0, "residual_value": 25523.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 480.61, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 640.61}, "total_of_payments": 17316, "total_of_payments_unrounded": 17301.96}, "disclosure": "Estimated lease payment for stock #W4206, VIN 3VVGR7RM9TM020074. $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 $41,167. Lease selling price $37,683. Net capitalized cost $38,358. Residual value $25,524, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM9TM020074_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": 41167.0, "selling_price": 37683.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.31, "net_cap_cost": 35359.0, "residual_value": 25523.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.31}, "total_of_payments": 13932, "total_of_payments_unrounded": 13943.16}, "disclosure": "Estimated lease payment for stock #W4206, VIN 3VVGR7RM9TM020074. $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 $41,167. Lease selling price $37,683. Net capitalized cost $35,359. Residual value $25,524, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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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SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 53338.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca5tc575819/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca5tc575819/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA5TC575819.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA5TC575819.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA5TC575819.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca5tc575819/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,033. This offer applies to Stock #W4544, VIN 1V2BN2CA5TC575819. 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: $53,338. Advertised price: $48,305. Savings: $5,033, 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": "$53,338"}, {"label": "Advertised price", "value": "$48,305"}, {"label": "Savings", "value": "$5,033, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,033", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48305.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA5TC575819_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 980, "unit": "per_month", "display": "$980/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48305.0, "price_incl_doc": 48305.0, "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": 980.11, "amount_financed": 51324.06, "sales_tax": 3019.06, "total_of_payments": 58806.74, "finance_charge": 7482.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4544, VIN 1V2BN2CA5TC575819. $980 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,305, before any dealer documentation fee. Amount financed $51,324, including $3,019 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,807. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA5TC575819_finance_72", "type": "finance_72", "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": 48305.0, "price_incl_doc": 48305.0, "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": 850.35, "amount_financed": 51324.06, "sales_tax": 3019.06, "total_of_payments": 61224.89, "finance_charge": 9900.83, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4544, VIN 1V2BN2CA5TC575819. $850 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,305, before any dealer documentation fee. Amount financed $51,324, including $3,019 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,225. 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_1V2BN2CA5TC575819_finance_84", "type": "finance_84", "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": 48305.0, "price_incl_doc": 48305.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.88, "amount_financed": 51324.06, "sales_tax": 3019.06, "total_of_payments": 63998.33, "finance_charge": 12674.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4544, VIN 1V2BN2CA5TC575819. $762 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,305, before any dealer documentation fee. Amount financed $51,324, including $3,019 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,998. 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"}, {"offer_id": "of_1V2BN2CA5TC575819_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 53338.0, "selling_price": 48305.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 600.35, "net_cap_cost": 48980.0, "residual_value": 33069.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 600.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 760.35}, "total_of_payments": 21600, "total_of_payments_unrounded": 21612.6}, "disclosure": "Estimated lease payment for stock #W4544, VIN 1V2BN2CA5TC575819. $600 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $760, made up of $600 first payment, $60 title, $100 registration. MSRP $53,338. Lease selling price $48,305. Net capitalized cost $48,980. Residual value $33,070, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2BN2CA5TC575819_lease", "type": "lease", "label": "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": 53338.0, "selling_price": 48305.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 507.05, "net_cap_cost": 45981.0, "residual_value": 33069.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 507.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3666.05}, "total_of_payments": 18252, "total_of_payments_unrounded": 18253.8}, "disclosure": "Estimated lease payment for stock #W4544, VIN 1V2BN2CA5TC575819. $507 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,666, made up of $507 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,338. Lease selling price $48,305. Net capitalized cost $45,981. Residual value $33,070, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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 #W4568, VIN 1V2FN2CA6TC579119. Advertised price: $57,893. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$57,893"}], "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57893.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA6TC579119_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1175, "unit": "per_month", "display": "$1,175/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57893.0, "price_incl_doc": 57893.0, "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": 1174.65, "amount_financed": 61511.31, "sales_tax": 3618.31, "total_of_payments": 70479.22, "finance_charge": 8967.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4568, VIN 1V2FN2CA6TC579119. $1,175 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,893, before any dealer documentation fee. Amount financed $61,511, including $3,618 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $70,479. 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_1V2FN2CA6TC579119_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1019, "unit": "per_month", "display": "$1,019/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57893.0, "price_incl_doc": 57893.0, "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": 1019.13, "amount_financed": 61511.31, "sales_tax": 3618.31, "total_of_payments": 73377.34, "finance_charge": 11866.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4568, VIN 1V2FN2CA6TC579119. $1,019 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,893, before any dealer documentation fee. Amount financed $61,511, including $3,618 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $73,377. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC579119_finance_84", "type": "finance_84", "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": 57893.0, "price_incl_doc": 57893.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 913.11, "amount_financed": 61511.31, "sales_tax": 3618.31, "total_of_payments": 76701.28, "finance_charge": 15189.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4568, VIN 1V2FN2CA6TC579119. $913 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,893, before any dealer documentation fee. Amount financed $61,511, including $3,618 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $76,701. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC579119_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57893.0, "selling_price": 57893.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 819.76, "net_cap_cost": 58568.0, "residual_value": 35893.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 819.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 979.76}, "total_of_payments": 29520, "total_of_payments_unrounded": 29511.36}, "disclosure": "Estimated lease payment for stock #W4568, VIN 1V2FN2CA6TC579119. $820 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $980, made up of $820 first payment, $60 title, $100 registration. MSRP $57,893. Lease selling price $57,893. Net capitalized cost $58,568. Residual value $35,894, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $29,520. 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_1V2FN2CA6TC579119_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57893.0, "selling_price": 57893.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 726.46, "net_cap_cost": 55569.0, "residual_value": 35893.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 726.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3885.46}, "total_of_payments": 26136, "total_of_payments_unrounded": 26152.56}, "disclosure": "Estimated lease payment for stock #W4568, VIN 1V2FN2CA6TC579119. $726 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,885, made up of $726 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,893. Lease selling price $57,893. Net capitalized cost $55,569. Residual value $35,894, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,136. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer 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", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm096465/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM4TM096465.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM096465.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM4TM096465.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm4tm096465/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #NRVD262188, VIN 3VVMR7RM4TM096465. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM4TM096465_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262188, VIN 3VVMR7RM4TM096465. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM096465_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262188, VIN 3VVMR7RM4TM096465. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM4TM096465_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262188, VIN 3VVMR7RM4TM096465. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM4TM096465_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262188, VIN 3VVMR7RM4TM096465. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM4TM096465_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262188, VIN 3VVMR7RM4TM096465. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer 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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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm078582/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM6TM078582.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM078582.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM6TM078582.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm6tm078582/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,941. This offer applies to Stock #VD262106, VIN 3VVMR7RM6TM078582. 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: $39,241. Advertised price: $35,300. Savings: $3,941, 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": "$39,241"}, {"label": "Advertised price", "value": "$35,300"}, {"label": "Savings", "value": "$3,941, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,941", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35300.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM6TM078582_finance_60", "type": "finance_60", "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": 35300.0, "price_incl_doc": 35300.0, "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": 716.24, "amount_financed": 37506.25, "sales_tax": 2206.25, "total_of_payments": 42974.39, "finance_charge": 5468.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262106, VIN 3VVMR7RM6TM078582. $716 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,300, before any dealer documentation fee. Amount financed $37,506, including $2,206 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,974. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM078582_finance_72", "type": "finance_72", "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": 35300.0, "price_incl_doc": 35300.0, "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": 621.41, "amount_financed": 37506.25, "sales_tax": 2206.25, "total_of_payments": 44741.51, "finance_charge": 7235.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262106, VIN 3VVMR7RM6TM078582. $621 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,300, before any dealer documentation fee. Amount financed $37,506, including $2,206 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,742. 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_3VVMR7RM6TM078582_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": 35300.0, "price_incl_doc": 35300.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 556.77, "amount_financed": 37506.25, "sales_tax": 2206.25, "total_of_payments": 46768.27, "finance_charge": 9262.02, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262106, VIN 3VVMR7RM6TM078582. $557 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,300, before any dealer documentation fee. Amount financed $37,506, including $2,206 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,768. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM6TM078582_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 39241.0, "selling_price": 35300.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.82, "net_cap_cost": 35975.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 599.82}, "total_of_payments": 15840, "total_of_payments_unrounded": 15833.52}, "disclosure": "Estimated lease payment for stock #VD262106, VIN 3VVMR7RM6TM078582. $440 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $600, made up of $440 first payment, $60 title, $100 registration. MSRP $39,241. Lease selling price $35,300. Net capitalized cost $35,975. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM6TM078582_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39241.0, "selling_price": 35300.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 346.52, "net_cap_cost": 32976.0, "residual_value": 24329.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 346.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3505.52}, "total_of_payments": 12492, "total_of_payments_unrounded": 12474.72}, "disclosure": "Estimated lease payment for stock #VD262106, VIN 3VVMR7RM6TM078582. $347 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,506, made up of $347 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,241. Lease selling price $35,300. Net capitalized cost $32,976. Residual value $24,329, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,492. 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"}], "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": 317}}, {"vin": "3VVGR7RM9TM146497", "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": "new", "price": 37732.0, "msrp": 41226.0, "sale_price": 37732.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Crystal Gray", "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": "W4751", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/b6c8d107997c424aa22cd629db47a41d.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b6c8d107997c424aa22cd629db47a41d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0408c87190364b4e815e500ac6c3bebb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f84048e6cfa4006933107d55b08f971.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a1495f3ace8845f7aadf86b46657ea58.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41a834648405491f81b7a6c0d9024995.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2720861f60f34179bc79e9f60937123d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/041f641c97ae4ae1a0f9cca65b500dbb.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41226.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm146497/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm146497/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM9TM146497.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM146497.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM9TM146497.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm9tm146497/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,494. This offer applies to Stock #W4751, VIN 3VVGR7RM9TM146497. 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: $41,226. Advertised price: $37,732. Savings: $3,494, 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": "$41,226"}, {"label": "Advertised price", "value": "$37,732"}, {"label": "Savings", "value": "$3,494, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,494", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37732.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM9TM146497_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": 37732.0, "price_incl_doc": 37732.0, "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": 765.59, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 45935.12, "finance_charge": 5844.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4751, VIN 3VVGR7RM9TM146497. $766 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,935. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM9TM146497_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": 37732.0, "price_incl_doc": 37732.0, "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": 664.22, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 47823.98, "finance_charge": 7733.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4751, VIN 3VVGR7RM9TM146497. $664 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,824. 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_3VVGR7RM9TM146497_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": 37732.0, "price_incl_doc": 37732.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.12, "amount_financed": 40090.25, "sales_tax": 2358.25, "total_of_payments": 49990.38, "finance_charge": 9900.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4751, VIN 3VVGR7RM9TM146497. $595 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,732, before any dealer documentation fee. Amount financed $40,090, including $2,358 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,990. 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_3VVGR7RM9TM146497_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": 41226.0, "selling_price": 37732.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 481.11, "net_cap_cost": 38407.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 481.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 641.11}, "total_of_payments": 17316, "total_of_payments_unrounded": 17319.96}, "disclosure": "Estimated lease payment for stock #W4751, VIN 3VVGR7RM9TM146497. $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 $41,226. Lease selling price $37,732. Net capitalized cost $38,407. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM9TM146497_lease", "type": "lease", "label": "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": 41226.0, "selling_price": 37732.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.82, "net_cap_cost": 35408.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.82}, "total_of_payments": 13968, "total_of_payments_unrounded": 13961.52}, "disclosure": "Estimated lease payment for stock #W4751, VIN 3VVGR7RM9TM146497. $388 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,547, made up of $388 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,226. Lease selling price $37,732. Net capitalized cost $35,408. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 318}}, {"vin": "3VVCR7RM7TM144231", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 29720.0, "msrp": 32881.0, "sale_price": 29720.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": 26, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "W4753", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/91f5069407ff48e69dd4cd2312ff4db3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/91f5069407ff48e69dd4cd2312ff4db3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8773e26668b5423bb03b3ab1845ca738.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/29ef717a076b4d5ca506c9ab0171af9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ac6ca09aed44d76bac6afbb9599882f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2cd8b3a09c24d9d94e845eb3b45c564.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bc5d5da133c64842b6aefa90684b0c74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db1d9413777545ab81a87c423606b69a.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 32881.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvcr7rm7tm144231/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvcr7rm7tm144231/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVCR7RM7TM144231.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVCR7RM7TM144231.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVCR7RM7TM144231.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvcr7rm7tm144231/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,161. This offer applies to Stock #W4753, VIN 3VVCR7RM7TM144231. 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: $32,881. Advertised price: $29,720. Savings: $3,161, 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": "$32,881"}, {"label": "Advertised price", "value": "$29,720"}, {"label": "Savings", "value": "$3,161, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,161", "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": "2026-07-26T16:50:41Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29720.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVCR7RM7TM144231_finance_60", "type": "finance_60", "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": 29720.0, "price_incl_doc": 29720.0, "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": 603.02, "amount_financed": 31577.5, "sales_tax": 1857.5, "total_of_payments": 36181.27, "finance_charge": 4603.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4753, VIN 3VVCR7RM7TM144231. $603 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,720, before any dealer documentation fee. Amount financed $31,578, including $1,858 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,181. 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_3VVCR7RM7TM144231_finance_72", "type": "finance_72", "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": 29720.0, "price_incl_doc": 29720.0, "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": 523.18, "amount_financed": 31577.5, "sales_tax": 1857.5, "total_of_payments": 37669.06, "finance_charge": 6091.56, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4753, VIN 3VVCR7RM7TM144231. $523 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,720, before any dealer documentation fee. Amount financed $31,578, including $1,858 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,669. 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_3VVCR7RM7TM144231_finance_84", "type": "finance_84", "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": 29720.0, "price_incl_doc": 29720.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 468.76, "amount_financed": 31577.5, "sales_tax": 1857.5, "total_of_payments": 39375.44, "finance_charge": 7797.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4753, VIN 3VVCR7RM7TM144231. $469 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,720, before any dealer documentation fee. Amount financed $31,578, including $1,858 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,375. 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_3VVCR7RM7TM144231_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": 32881.0, "selling_price": 29720.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 376.33, "net_cap_cost": 30395.0, "residual_value": 20386.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.33, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 536.33}, "total_of_payments": 13536, "total_of_payments_unrounded": 13547.88}, "disclosure": "Estimated lease payment for stock #W4753, VIN 3VVCR7RM7TM144231. $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 $32,881. Lease selling price $29,720. Net capitalized cost $30,395. Residual value $20,386, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVCR7RM7TM144231_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32881.0, "selling_price": 29720.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 283.04, "net_cap_cost": 27396.0, "residual_value": 20386.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 283.04, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3442.04}, "total_of_payments": 10188, "total_of_payments_unrounded": 10189.44}, "disclosure": "Estimated lease payment for stock #W4753, VIN 3VVCR7RM7TM144231. $283 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,442, made up of $283 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,881. Lease selling price $29,720. Net capitalized cost $27,396. Residual value $20,386, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,188. 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"}], "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": 312}}, {"vin": "3VVNR7RM3TM146597", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 33980.0, "msrp": 37541.0, "sale_price": 33980.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": 25, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "W4747", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/e0fa6c75bf234701b71bfc56c33237b3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/e0fa6c75bf234701b71bfc56c33237b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7298dae7fb894d6b921b636d41b2d02f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bdf20711e70d4f21b5c14420b434e1e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb6c8443fac84ae2a7d942934395b6c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/471cd415d2244d919e4d8d460fd691c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0a10afa770114dc9a5afb548655b0ed8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dcedd58eb435417186b19b56a9d3c741.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37541.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvnr7rm3tm146597/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvnr7rm3tm146597/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVNR7RM3TM146597.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVNR7RM3TM146597.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVNR7RM3TM146597.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvnr7rm3tm146597/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,561. This offer applies to Stock #W4747, VIN 3VVNR7RM3TM146597. 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: $37,541. Advertised price: $33,980. Savings: $3,561, 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": "$37,541"}, {"label": "Advertised price", "value": "$33,980"}, {"label": "Savings", "value": "$3,561, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,561", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33980.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVNR7RM3TM146597_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": 33980.0, "price_incl_doc": 33980.0, "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": 689.46, "amount_financed": 36103.75, "sales_tax": 2123.75, "total_of_payments": 41367.42, "finance_charge": 5263.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4747, VIN 3VVNR7RM3TM146597. $689 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,980, before any dealer documentation fee. Amount financed $36,104, including $2,124 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,367. 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_3VVNR7RM3TM146597_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": 33980.0, "price_incl_doc": 33980.0, "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": 598.17, "amount_financed": 36103.75, "sales_tax": 2123.75, "total_of_payments": 43068.46, "finance_charge": 6964.71, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4747, VIN 3VVNR7RM3TM146597. $598 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,980, before any dealer documentation fee. Amount financed $36,104, including $2,124 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,068. 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_3VVNR7RM3TM146597_finance_84", "type": "finance_84", "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": 33980.0, "price_incl_doc": 33980.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.95, "amount_financed": 36103.75, "sales_tax": 2123.75, "total_of_payments": 45019.43, "finance_charge": 8915.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4747, VIN 3VVNR7RM3TM146597. $536 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,980, before any dealer documentation fee. Amount financed $36,104, including $2,124 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,019. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVNR7RM3TM146597_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 37541.0, "selling_price": 33980.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 428.18, "net_cap_cost": 34655.0, "residual_value": 23275.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 428.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 588.18}, "total_of_payments": 15408, "total_of_payments_unrounded": 15414.48}, "disclosure": "Estimated lease payment for stock #W4747, VIN 3VVNR7RM3TM146597. $428 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $588, made up of $428 first payment, $60 title, $100 registration. MSRP $37,541. Lease selling price $33,980. Net capitalized cost $34,655. Residual value $23,275, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVNR7RM3TM146597_lease", "type": "lease", "label": "Lease", "headline": {"value": 335, "unit": "per_month", "display": "$335/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37541.0, "selling_price": 33980.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 334.89, "net_cap_cost": 31656.0, "residual_value": 23275.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 334.89, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3493.89}, "total_of_payments": 12060, "total_of_payments_unrounded": 12056.04}, "disclosure": "Estimated lease payment for stock #W4747, VIN 3VVNR7RM3TM146597. $335 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,494, made up of $335 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,541. Lease selling price $33,980. Net capitalized cost $31,656. Residual value $23,275, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,060. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 306}}, {"vin": "WVWLE7CD5TW276066", "title": "2026 Volkswagen Golf GTI S", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 34763.0, "msrp": 37125.0, "sale_price": 34763.0, "currency": "USD", "mileage": 5, "exterior_color": "Moonstone Gray", "interior_color": "Titan Black/Scalepaper Plaid", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "W4746", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ee03fecaa37940cbbb06285bc86d6e57.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ee03fecaa37940cbbb06285bc86d6e57.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/920ef444f0db443da01674edda648a19.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fcdc33b7a7ed4b2ba813ce239527942d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb19cab217134b06b6d2ac0be1d647e7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/201984c18f5340fca1f7f0b3ae6bd435.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90f55cb594d74dbbb9ce46fcd41c4b33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1cee6ca73ec44b95ab9d63e659ce6ad7.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "S", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37125.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd5tw276066/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd5tw276066/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWLE7CD5TW276066.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD5TW276066.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD5TW276066.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd5tw276066/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 $2,362. This offer applies to Stock #W4746, VIN WVWLE7CD5TW276066. 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: $37,125. Advertised price: $34,763. Savings: $2,362, 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": "$37,125"}, {"label": "Advertised price", "value": "$34,763"}, {"label": "Savings", "value": "$2,362, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,362", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34763.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD5TW276066_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": 34763.0, "price_incl_doc": 34763.0, "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": 705.34, "amount_financed": 36935.69, "sales_tax": 2172.69, "total_of_payments": 42320.65, "finance_charge": 5384.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4746, VIN WVWLE7CD5TW276066. $705 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,763, before any dealer documentation fee. Amount financed $36,936, including $2,173 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,321. 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"}, {"offer_id": "of_WVWLE7CD5TW276066_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34763.0, "price_incl_doc": 34763.0, "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": 611.96, "amount_financed": 36935.69, "sales_tax": 2172.69, "total_of_payments": 44060.88, "finance_charge": 7125.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4746, VIN WVWLE7CD5TW276066. $612 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,763, before any dealer documentation fee. Amount financed $36,936, including $2,173 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,061. 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_WVWLE7CD5TW276066_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": 34763.0, "price_incl_doc": 34763.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.3, "amount_financed": 36935.69, "sales_tax": 2172.69, "total_of_payments": 46056.81, "finance_charge": 9121.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4746, VIN WVWLE7CD5TW276066. $548 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,763, before any dealer documentation fee. Amount financed $36,936, including $2,173 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,057. 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_WVWLE7CD5TW276066_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": 37125.0, "selling_price": 34763.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 459.74, "net_cap_cost": 35438.0, "residual_value": 23017.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 619.74}, "total_of_payments": 16560, "total_of_payments_unrounded": 16550.64}, "disclosure": "Estimated lease payment for stock #W4746, VIN WVWLE7CD5TW276066. $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 $37,125. Lease selling price $34,763. Net capitalized cost $35,438. Residual value $23,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWLE7CD5TW276066_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": 37125.0, "selling_price": 34763.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 366.45, "net_cap_cost": 32439.0, "residual_value": 23017.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 366.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3525.45}, "total_of_payments": 13176, "total_of_payments_unrounded": 13192.2}, "disclosure": "Estimated lease payment for stock #W4746, VIN WVWLE7CD5TW276066. $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 $37,125. Lease selling price $34,763. Net capitalized cost $32,439. Residual value $23,018, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 295}}, {"vin": "1V2WNPE86PC026404", "title": "2023 Volkswagen ID.4 Pro S", "year": 2023, "make": "Volkswagen", "model": "ID.4", "trim": "Pro S", "decoded_trim": "Pro S", "condition": "used", "price": 26975.0, "msrp": 26975.0, "sale_price": 26975.0, "currency": "USD", "mileage": 14631, "exterior_color": "Deep Black Pearl", "interior_color": "Black", "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": "PDV1046", "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 #PDV1046, VIN 1V2WNPE86PC026404. 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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_1V2WNPE86PC026404_finance_48", "type": "finance_48", "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": 26975.0, "price_incl_doc": 26975.0, "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": 672.97, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 32302.64, "finance_charge": 3641.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1046, VIN 1V2WNPE86PC026404. $673 per month for 48 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 $23.48 per $1,000 financed. Total of payments $32,303. 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_1V2WNPE86PC026404_finance_60", "type": "finance_60", "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": 26975.0, "price_incl_doc": 26975.0, "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": 560.65, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 33639.0, "finance_charge": 4978.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1046, VIN 1V2WNPE86PC026404. $561 per month for 60 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 $19.56 per $1,000 financed. Total of payments $33,639. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2WNPE86PC026404_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an 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": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 488.5, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 35172.21, "finance_charge": 6511.27, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1046, VIN 1V2WNPE86PC026404. $488 per month for 72 months at 6.99% 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 $17.04 per $1,000 financed. Total of payments $35,172. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 224}}, {"vin": "JN1BJ1CR9JW285627", "title": "2018 Nissan Rogue Sport SV", "year": 2018, "make": "Nissan", "model": "Rogue Sport", "trim": "SV", "decoded_trim": null, "condition": "used", "price": 12977.0, "msrp": 12977.0, "sale_price": 12977.0, "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": "HD261001B", "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/5/2018NIS170001_640/2018NIS170001_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2018NIS170001_640/2018NIS170001_640_01.jpg"], "vin_decode": {"make": "Nissan", "model": "Rogue Sport", "year": 2018, "trim": null, "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 12977.0, "monroney_url": "https://ai.castlevwdownersgrove.com/sticker/JN1BJ1CR9JW285627.pdf", "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jn1bj1cr9jw285627/2018-nissan-rogue-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jn1bj1cr9jw285627/2018-nissan-rogue-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/JN1BJ1CR9JW285627.html", "json_url": "https://ai.castlevwdownersgrove.com/v/JN1BJ1CR9JW285627.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/JN1BJ1CR9JW285627.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/used/jn1bj1cr9jw285627/2018-nissan-rogue-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #HD261001B, VIN JN1BJ1CR9JW285627. Advertised price: $12,977. 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": "$12,977"}], "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 12977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12977.0, "price_incl_doc": 12977.0, "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": 323.75, "amount_financed": 13788.06, "sales_tax": 811.06, "total_of_payments": 15539.99, "finance_charge": 1751.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261001B, VIN JN1BJ1CR9JW285627. $324 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $12,977, before any dealer documentation fee. Amount financed $13,788, including $811 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $15,540. 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_JN1BJ1CR9JW285627_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 270, "unit": "per_month", "display": "$270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12977.0, "price_incl_doc": 12977.0, "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": 269.71, "amount_financed": 13788.06, "sales_tax": 811.06, "total_of_payments": 16182.88, "finance_charge": 2394.82, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261001B, VIN JN1BJ1CR9JW285627. $270 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $12,977, before any dealer documentation fee. Amount financed $13,788, including $811 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $16,183. 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_JN1BJ1CR9JW285627_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 235, "unit": "per_month", "display": "$235/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12977.0, "price_incl_doc": 12977.0, "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": 235.01, "amount_financed": 13788.06, "sales_tax": 811.06, "total_of_payments": 16920.47, "finance_charge": 3132.41, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261001B, VIN JN1BJ1CR9JW285627. $235 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $12,977, before any dealer documentation fee. Amount financed $13,788, including $811 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $16,920. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm093742/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM0TM093742.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM0TM093742.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM0TM093742.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm093742/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262180, VIN 3VVMR7RM0TM093742. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM0TM093742_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262180, VIN 3VVMR7RM0TM093742. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM0TM093742_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262180, VIN 3VVMR7RM0TM093742. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM0TM093742_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262180, VIN 3VVMR7RM0TM093742. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM0TM093742_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262180, VIN 3VVMR7RM0TM093742. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM0TM093742_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262180, VIN 3VVMR7RM0TM093742. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca1tc578572/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA1TC578572.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA1TC578572.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA1TC578572.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca1tc578572/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,409. This offer applies to Stock #VD262289, VIN 1V2KN2CA1TC578572. 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: $49,931. Advertised price: $44,522. Savings: $5,409, 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": "$49,931"}, {"label": "Advertised price", "value": "$44,522"}, {"label": "Savings", "value": "$5,409, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,409", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44522.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA1TC578572_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44522.0, "price_incl_doc": 44522.0, "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": 903.36, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 54201.3, "finance_charge": 6896.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262289, VIN 1V2KN2CA1TC578572. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC578572_finance_72", "type": "finance_72", "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": 44522.0, "price_incl_doc": 44522.0, "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": 783.75, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 56430.08, "finance_charge": 9125.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262289, VIN 1V2KN2CA1TC578572. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,430. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC578572_finance_84", "type": "finance_84", "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": 44522.0, "price_incl_doc": 44522.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.22, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 58986.32, "finance_charge": 11681.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262289, VIN 1V2KN2CA1TC578572. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,986. 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_1V2KN2CA1TC578572_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.64, "net_cap_cost": 45197.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.64}, "total_of_payments": 19512, "total_of_payments_unrounded": 19499.04}, "disclosure": "Estimated lease payment for stock #VD262289, VIN 1V2KN2CA1TC578572. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $45,197. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC578572_lease", "type": "lease", "label": "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": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.35, "net_cap_cost": 42198.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.35}, "total_of_payments": 16128, "total_of_payments_unrounded": 16140.6}, "disclosure": "Estimated lease payment for stock #VD262289, VIN 1V2KN2CA1TC578572. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $42,198. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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_history": [], "window_sticker": {"msrp": 34085.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm2tm081261/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm2tm081261/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVBR7RM2TM081261.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM2TM081261.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM2TM081261.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm2tm081261/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,534. This offer applies to Stock #VD262113, VIN 3VVBR7RM2TM081261. 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: $30,551. Savings: $3,534, 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": "$30,551"}, {"label": "Savings", "value": "$3,534, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,534", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30551.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM2TM081261_finance_60", "type": "finance_60", "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": 30551.0, "price_incl_doc": 30551.0, "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": 619.88, "amount_financed": 32460.44, "sales_tax": 1909.44, "total_of_payments": 37192.94, "finance_charge": 4732.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262113, VIN 3VVBR7RM2TM081261. $620 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,551, before any dealer documentation fee. Amount financed $32,460, including $1,909 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,193. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM2TM081261_finance_72", "type": "finance_72", "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": 30551.0, "price_incl_doc": 30551.0, "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": 537.81, "amount_financed": 32460.44, "sales_tax": 1909.44, "total_of_payments": 38722.32, "finance_charge": 6261.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262113, VIN 3VVBR7RM2TM081261. $538 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,551, before any dealer documentation fee. Amount financed $32,460, including $1,909 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,722. 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_3VVBR7RM2TM081261_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": 30551.0, "price_incl_doc": 30551.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 481.86, "amount_financed": 32460.44, "sales_tax": 1909.44, "total_of_payments": 40476.42, "finance_charge": 8015.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262113, VIN 3VVBR7RM2TM081261. $482 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,551, before any dealer documentation fee. Amount financed $32,460, including $1,909 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,476. 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_3VVBR7RM2TM081261_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34085.0, "selling_price": 30551.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 381.34, "net_cap_cost": 31226.0, "residual_value": 21132.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 381.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 541.34}, "total_of_payments": 13716, "total_of_payments_unrounded": 13728.24}, "disclosure": "Estimated lease payment for stock #VD262113, VIN 3VVBR7RM2TM081261. $381 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $541, made up of $381 first payment, $60 title, $100 registration. MSRP $34,085. Lease selling price $30,551. Net capitalized cost $31,226. Residual value $21,133, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM2TM081261_lease", "type": "lease", "label": "Lease", "headline": {"value": 288, "unit": "per_month", "display": "$288/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not 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": 30551.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 288.05, "net_cap_cost": 28227.0, "residual_value": 21132.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 288.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3447.05}, "total_of_payments": 10368, "total_of_payments_unrounded": 10369.8}, "disclosure": "Estimated lease payment for stock #VD262113, VIN 3VVBR7RM2TM081261. $288 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,447, made up of $288 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,085. Lease selling price $30,551. Net capitalized cost $28,227. Residual value $21,133, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm2tm015432/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM2TM015432.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM2TM015432.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM2TM015432.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm2tm015432/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD262216, VIN 3VVMR7RM2TM015432. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM2TM015432_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262216, VIN 3VVMR7RM2TM015432. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM2TM015432_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262216, VIN 3VVMR7RM2TM015432. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM2TM015432_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262216, VIN 3VVMR7RM2TM015432. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM015432_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38360.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 441.47, "net_cap_cost": 35538.0, "residual_value": 23783.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 441.47, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 601.47}, "total_of_payments": 15876, "total_of_payments_unrounded": 15892.92}, "disclosure": "Estimated lease payment for stock #VD262216, VIN 3VVMR7RM2TM015432. $441 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $601, made up of $441 first payment, $60 title, $100 registration. MSRP $38,360. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $23,783, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM2TM015432_lease", "type": "lease", "label": "Lease", "headline": {"value": 348, "unit": "per_month", "display": "$348/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38360.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 348.18, "net_cap_cost": 32539.0, "residual_value": 23783.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 348.18, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3507.18}, "total_of_payments": 12528, "total_of_payments_unrounded": 12534.48}, "disclosure": "Estimated lease payment for stock #VD262216, VIN 3VVMR7RM2TM015432. $348 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,507, made up of $348 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,360. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $23,783, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,528. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm094562/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM3TM094562.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM094562.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM094562.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm094562/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #NRVD262177, VIN 3VVMR7RM3TM094562. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM3TM094562_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262177, VIN 3VVMR7RM3TM094562. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM3TM094562_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262177, VIN 3VVMR7RM3TM094562. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM3TM094562_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262177, VIN 3VVMR7RM3TM094562. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM3TM094562_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262177, VIN 3VVMR7RM3TM094562. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM3TM094562_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262177, VIN 3VVMR7RM3TM094562. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 298}}, {"vin": "3VW7W7BU1TM076511", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27229.0, "msrp": 29731.0, "sale_price": 27229.0, "currency": "USD", "mileage": null, "exterior_color": "Opal White Pearl", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262151", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/b60aa98b47c0471e930ada999c62997f.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/b60aa98b47c0471e930ada999c62997f.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/1f4394f76e6e4e699fa7db2d591b5f10.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/1830a67c35af406a8ed0e4cd59eddb46.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/9fd057e0821047e4a7112a126e6909d7.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/6f7e7482e3314e9fa7ed5c4ccfb5a3c1.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/3de667a443124d3f8dba8bc80b167862.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/619a8d3cdacc43faacb874a85a8de740.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Jetta", "year": 2026, "trim": "SE", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29731.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu1tm076511/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu1tm076511/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU1TM076511.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU1TM076511.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU1TM076511.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu1tm076511/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,502. This offer applies to Stock #VD262151, VIN 3VW7W7BU1TM076511. 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: $29,731. Advertised price: $27,229. Savings: $2,502, 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": "$29,731"}, {"label": "Advertised price", "value": "$27,229"}, {"label": "Savings", "value": "$2,502, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,502", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27229.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU1TM076511_finance_60", "type": "finance_60", "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": 27229.0, "price_incl_doc": 27229.0, "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": 552.48, "amount_financed": 28930.81, "sales_tax": 1701.81, "total_of_payments": 33148.71, "finance_charge": 4217.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262151, VIN 3VW7W7BU1TM076511. $552 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,229, before any dealer documentation fee. Amount financed $28,931, including $1,702 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,149. 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_3VW7W7BU1TM076511_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27229.0, "price_incl_doc": 27229.0, "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": 479.33, "amount_financed": 28930.81, "sales_tax": 1701.81, "total_of_payments": 34511.8, "finance_charge": 5580.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262151, VIN 3VW7W7BU1TM076511. $479 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,229, before any dealer documentation fee. Amount financed $28,931, including $1,702 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,512. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU1TM076511_finance_84", "type": "finance_84", "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": 27229.0, "price_incl_doc": 27229.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 429.47, "amount_financed": 28930.81, "sales_tax": 1701.81, "total_of_payments": 36075.16, "finance_charge": 7144.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262151, VIN 3VW7W7BU1TM076511. $429 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,229, before any dealer documentation fee. Amount financed $28,931, including $1,702 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,075. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU1TM076511_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 353, "unit": "per_month", "display": "$353/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29731.0, "selling_price": 27229.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 353.37, "net_cap_cost": 27904.0, "residual_value": 18433.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 353.37, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 513.37}, "total_of_payments": 12708, "total_of_payments_unrounded": 12721.32}, "disclosure": "Estimated lease payment for stock #VD262151, VIN 3VW7W7BU1TM076511. $353 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $513, made up of $353 first payment, $60 title, $100 registration. MSRP $29,731. Lease selling price $27,229. Net capitalized cost $27,904. Residual value $18,433, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,708. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU1TM076511_lease", "type": "lease", "label": "Lease", "headline": {"value": 260, "unit": "per_month", "display": "$260/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29731.0, "selling_price": 27229.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 260.08, "net_cap_cost": 24905.0, "residual_value": 18433.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 260.08, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3419.08}, "total_of_payments": 9360, "total_of_payments_unrounded": 9362.88}, "disclosure": "Estimated lease payment for stock #VD262151, VIN 3VW7W7BU1TM076511. $260 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,419, made up of $260 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,731. Lease selling price $27,229. Net capitalized cost $24,905. Residual value $18,433, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,360. 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"}], "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": 306}}, {"vin": "1V2HN2CA6TC590789", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43975.0, "msrp": 48756.0, "sale_price": 43975.0, "currency": "USD", "mileage": 17, "exterior_color": "Pure Gray", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4710", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48756.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca6tc590789/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca6tc590789/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA6TC590789.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA6TC590789.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA6TC590789.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca6tc590789/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,781. This offer applies to Stock #W4710, VIN 1V2HN2CA6TC590789. 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: $48,756. Advertised price: $43,975. Savings: $4,781, 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": "$48,756"}, {"label": "Advertised price", "value": "$43,975"}, {"label": "Savings", "value": "$4,781, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,781", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA6TC590789_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 892, "unit": "per_month", "display": "$892/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43975.0, "price_incl_doc": 43975.0, "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": 892.26, "amount_financed": 46723.44, "sales_tax": 2748.44, "total_of_payments": 53535.38, "finance_charge": 6811.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4710, VIN 1V2HN2CA6TC590789. $892 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,975, before any dealer documentation fee. Amount financed $46,723, including $2,748 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,535. 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_1V2HN2CA6TC590789_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43975.0, "price_incl_doc": 43975.0, "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": 774.12, "amount_financed": 46723.44, "sales_tax": 2748.44, "total_of_payments": 55736.77, "finance_charge": 9013.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4710, VIN 1V2HN2CA6TC590789. $774 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,975, before any dealer documentation fee. Amount financed $46,723, including $2,748 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,737. 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_1V2HN2CA6TC590789_finance_84", "type": "finance_84", "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": 43975.0, "price_incl_doc": 43975.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.59, "amount_financed": 46723.44, "sales_tax": 2748.44, "total_of_payments": 58261.61, "finance_charge": 11538.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4710, VIN 1V2HN2CA6TC590789. $694 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,975, before any dealer documentation fee. Amount financed $46,723, including $2,748 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,262. 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_1V2HN2CA6TC590789_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48756.0, "selling_price": 43975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.97, "net_cap_cost": 44650.0, "residual_value": 30228.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.97, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.97}, "total_of_payments": 19620, "total_of_payments_unrounded": 19618.92}, "disclosure": "Estimated lease payment for stock #W4710, VIN 1V2HN2CA6TC590789. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $48,756. Lease selling price $43,975. Net capitalized cost $44,650. Residual value $30,229, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2HN2CA6TC590789_lease", "type": "lease", "label": "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": 48756.0, "selling_price": 43975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.67, "net_cap_cost": 41651.0, "residual_value": 30228.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.67}, "total_of_payments": 16272, "total_of_payments_unrounded": 16260.12}, "disclosure": "Estimated lease payment for stock #W4710, VIN 1V2HN2CA6TC590789. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,756. Lease selling price $43,975. Net capitalized cost $41,651. Residual value $30,229, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51716.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc522328/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc522328/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA1TC522328.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA1TC522328.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA1TC522328.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca1tc522328/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,726. This offer applies to Stock #VD261792, VIN 1V2CN2CA1TC522328. 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: $51,716. Advertised price: $45,990. Savings: $5,726, 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": "$51,716"}, {"label": "Advertised price", "value": "$45,990"}, {"label": "Savings", "value": "$5,726, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,726", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45990.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA1TC522328_finance_60", "type": "finance_60", "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": 45990.0, "price_incl_doc": 45990.0, "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": 933.14, "amount_financed": 48864.38, "sales_tax": 2874.38, "total_of_payments": 55988.46, "finance_charge": 7124.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261792, VIN 1V2CN2CA1TC522328. $933 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,990, before any dealer documentation fee. Amount financed $48,864, including $2,874 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,988. 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_1V2CN2CA1TC522328_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45990.0, "price_incl_doc": 45990.0, "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": 809.59, "amount_financed": 48864.38, "sales_tax": 2874.38, "total_of_payments": 58290.71, "finance_charge": 9426.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261792, VIN 1V2CN2CA1TC522328. $810 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,990, before any dealer documentation fee. Amount financed $48,864, including $2,874 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,291. 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_1V2CN2CA1TC522328_finance_84", "type": "finance_84", "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": 45990.0, "price_incl_doc": 45990.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 725.37, "amount_financed": 48864.38, "sales_tax": 2874.38, "total_of_payments": 60931.24, "finance_charge": 12066.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261792, VIN 1V2CN2CA1TC522328. $725 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,990, before any dealer documentation fee. Amount financed $48,864, including $2,874 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,931. 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_1V2CN2CA1TC522328_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51716.0, "selling_price": 45990.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 556.41, "net_cap_cost": 46665.0, "residual_value": 32063.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 716.41}, "total_of_payments": 20016, "total_of_payments_unrounded": 20030.76}, "disclosure": "Estimated lease payment for stock #VD261792, VIN 1V2CN2CA1TC522328. $556 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $716, made up of $556 first payment, $60 title, $100 registration. MSRP $51,716. Lease selling price $45,990. Net capitalized cost $46,665. Residual value $32,064, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,016. 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"}, {"offer_id": "of_1V2CN2CA1TC522328_lease", "type": "lease", "label": "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": 51716.0, "selling_price": 45990.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.12, "net_cap_cost": 43666.0, "residual_value": 32063.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3622.12}, "total_of_payments": 16668, "total_of_payments_unrounded": 16672.32}, "disclosure": "Estimated lease payment for stock #VD261792, VIN 1V2CN2CA1TC522328. $463 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,622, made up of $463 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,716. 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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.", "lines": [{"label": "Advertised price", "value": "$29,101"}], "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29101.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV5C7B28TM073687_finance_60", "type": "finance_60", "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": 29101.0, "price_incl_doc": 29101.0, "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": 590.46, "amount_financed": 30919.81, "sales_tax": 1818.81, "total_of_payments": 35427.7, "finance_charge": 4507.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262284, VIN 3VV5C7B28TM073687. $590 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,101, before any dealer documentation fee. Amount financed $30,920, including $1,819 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,428. 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_3VV5C7B28TM073687_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29101.0, "price_incl_doc": 29101.0, "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": 512.28, "amount_financed": 30919.81, "sales_tax": 1818.81, "total_of_payments": 36884.49, "finance_charge": 5964.68, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262284, VIN 3VV5C7B28TM073687. $512 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,101, before any dealer documentation fee. Amount financed $30,920, including $1,819 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,884. 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"}, {"offer_id": "of_3VV5C7B28TM073687_finance_84", "type": "finance_84", "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": 29101.0, "price_incl_doc": 29101.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 458.99, "amount_financed": 30919.81, "sales_tax": 1818.81, "total_of_payments": 38555.33, "finance_charge": 7635.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262284, VIN 3VV5C7B28TM073687. $459 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,101, before any dealer documentation fee. Amount financed $30,920, including $1,819 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,555. 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_3VV5C7B28TM073687_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 29101.0, "selling_price": 29101.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.51, "net_cap_cost": 29776.0, "residual_value": 18042.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.51}, "total_of_payments": 15228, "total_of_payments_unrounded": 15210.36}, "disclosure": "Estimated lease payment for stock #VD262284, VIN 3VV5C7B28TM073687. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $29,101. Lease selling price $29,101. Net capitalized cost $29,776. Residual value $18,043, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VV5C7B28TM073687_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29101.0, "selling_price": 29101.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.22, "net_cap_cost": 26777.0, "residual_value": 18042.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.22}, "total_of_payments": 11844, "total_of_payments_unrounded": 11851.92}, "disclosure": "Estimated lease payment for stock #VD262284, VIN 3VV5C7B28TM073687. $329 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,488, made up of $329 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,101. 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34345.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm067939/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm067939/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B21TM067939.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM067939.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B21TM067939.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b21tm067939/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,360. This offer applies to Stock #W4528, VIN 3VVVC7B21TM067939. 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: $31,985. Savings: $2,360, 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": "$31,985"}, {"label": "Savings", "value": "$2,360, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,360", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31985.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B21TM067939_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": 31985.0, "price_incl_doc": 31985.0, "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": 648.98, "amount_financed": 33984.06, "sales_tax": 1999.06, "total_of_payments": 38938.69, "finance_charge": 4954.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4528, VIN 3VVVC7B21TM067939. $649 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,985, before any dealer documentation fee. Amount financed $33,984, including $1,999 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,939. 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_3VVVC7B21TM067939_finance_72", "type": "finance_72", "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": 31985.0, "price_incl_doc": 31985.0, "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": 563.05, "amount_financed": 33984.06, "sales_tax": 1999.06, "total_of_payments": 40539.86, "finance_charge": 6555.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4528, VIN 3VVVC7B21TM067939. $563 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,985, before any dealer documentation fee. Amount financed $33,984, including $1,999 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,540. 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_3VVVC7B21TM067939_finance_84", "type": "finance_84", "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": 31985.0, "price_incl_doc": 31985.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 504.48, "amount_financed": 33984.06, "sales_tax": 1999.06, "total_of_payments": 42376.29, "finance_charge": 8392.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4528, VIN 3VVVC7B21TM067939. $504 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,985, before any dealer documentation fee. Amount financed $33,984, including $1,999 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,376. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B21TM067939_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34345.0, "selling_price": 31985.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 421.45, "net_cap_cost": 32660.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 421.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 581.45}, "total_of_payments": 15156, "total_of_payments_unrounded": 15172.2}, "disclosure": "Estimated lease payment for stock #W4528, VIN 3VVVC7B21TM067939. $421 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $581, made up of $421 first payment, $60 title, $100 registration. MSRP $34,345. Lease selling price $31,985. Net capitalized cost $32,660. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B21TM067939_lease", "type": "lease", "label": "Lease", "headline": {"value": 328, "unit": "per_month", "display": "$328/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not 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": 31985.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 328.16, "net_cap_cost": 29661.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 328.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3487.16}, "total_of_payments": 11808, "total_of_payments_unrounded": 11813.76}, "disclosure": "Estimated lease payment for stock #W4528, VIN 3VVVC7B21TM067939. $328 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,487, made up of $328 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,345. Lease selling price $31,985. Net capitalized cost $29,661. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,808. 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"}], "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_history": [], "window_sticker": {"msrp": 34322.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm7tm016261/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm7tm016261/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVBR7RM7TM016261.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM7TM016261.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVBR7RM7TM016261.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm7tm016261/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,456. This offer applies to Stock #W4154, VIN 3VVBR7RM7TM016261. 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: $34,322. Advertised price: $30,866. Savings: $3,456, 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": "$34,322"}, {"label": "Advertised price", "value": "$30,866"}, {"label": "Savings", "value": "$3,456, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,456", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM7TM016261_finance_60", "type": "finance_60", "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": 30866.0, "price_incl_doc": 30866.0, "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": 626.27, "amount_financed": 32795.13, "sales_tax": 1929.13, "total_of_payments": 37576.42, "finance_charge": 4781.29, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4154, VIN 3VVBR7RM7TM016261. $626 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,866, before any dealer documentation fee. Amount financed $32,795, including $1,929 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,576. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM7TM016261_finance_72", "type": "finance_72", "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": 30866.0, "price_incl_doc": 30866.0, "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": 543.36, "amount_financed": 32795.13, "sales_tax": 1929.13, "total_of_payments": 39121.58, "finance_charge": 6326.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4154, VIN 3VVBR7RM7TM016261. $543 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,866, before any dealer documentation fee. Amount financed $32,795, including $1,929 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,122. 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_3VVBR7RM7TM016261_finance_84", "type": "finance_84", "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": 30866.0, "price_incl_doc": 30866.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 486.83, "amount_financed": 32795.13, "sales_tax": 1929.13, "total_of_payments": 40893.76, "finance_charge": 8098.63, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4154, VIN 3VVBR7RM7TM016261. $487 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,866, before any dealer documentation fee. Amount financed $32,795, including $1,929 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,894. 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_3VVBR7RM7TM016261_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34322.0, "selling_price": 30866.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.04, "net_cap_cost": 31541.0, "residual_value": 21279.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.04, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 547.04}, "total_of_payments": 13932, "total_of_payments_unrounded": 13933.44}, "disclosure": "Estimated lease payment for stock #W4154, VIN 3VVBR7RM7TM016261. $387 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $547, made up of $387 first payment, $60 title, $100 registration. MSRP $34,322. Lease selling price $30,866. Net capitalized cost $31,541. Residual value $21,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM7TM016261_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34322.0, "selling_price": 30866.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 293.74, "net_cap_cost": 28542.0, "residual_value": 21279.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 293.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3452.74}, "total_of_payments": 10584, "total_of_payments_unrounded": 10574.64}, "disclosure": "Estimated lease payment for stock #W4154, VIN 3VVBR7RM7TM016261. $294 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,453, made up of $294 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,322. Lease selling price $30,866. Net capitalized cost $28,542. Residual value $21,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,584. 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"}], "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": 449}}, {"vin": "3VWBW7BU2TM052597", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25924.0, "msrp": 28081.0, "sale_price": 25924.0, "currency": "USD", "mileage": 10, "exterior_color": "Kings Red Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4473", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu2tm052597/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,157. This offer applies to Stock #W4473, VIN 3VWBW7BU2TM052597. 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: $28,081. Advertised price: $25,924. Savings: $2,157, 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": "$28,081"}, {"label": "Advertised price", "value": "$25,924"}, {"label": "Savings", "value": "$2,157, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,157", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25924.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU2TM052597_finance_60", "type": "finance_60", "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": 25924.0, "price_incl_doc": 25924.0, "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": 526.0, "amount_financed": 27544.25, "sales_tax": 1620.25, "total_of_payments": 31560.0, "finance_charge": 4015.75, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4473, VIN 3VWBW7BU2TM052597. $526 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,924, before any dealer documentation fee. Amount financed $27,544, including $1,620 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,560. 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_3VWBW7BU2TM052597_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 456, "unit": "per_month", "display": "$456/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25924.0, "price_incl_doc": 25924.0, "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": 456.36, "amount_financed": 27544.25, "sales_tax": 1620.25, "total_of_payments": 32857.76, "finance_charge": 5313.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4473, VIN 3VWBW7BU2TM052597. $456 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,924, before any dealer documentation fee. Amount financed $27,544, including $1,620 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,858. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU2TM052597_finance_84", "type": "finance_84", "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": 25924.0, "price_incl_doc": 25924.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 408.88, "amount_financed": 27544.25, "sales_tax": 1620.25, "total_of_payments": 34346.19, "finance_charge": 6801.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4473, VIN 3VWBW7BU2TM052597. $409 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,924, before any dealer documentation fee. Amount financed $27,544, including $1,620 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,346. 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_3VWBW7BU2TM052597_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28081.0, "selling_price": 25924.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 341.34, "net_cap_cost": 26599.0, "residual_value": 17410.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 341.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 501.34}, "total_of_payments": 12276, "total_of_payments_unrounded": 12288.24}, "disclosure": "Estimated lease payment for stock #W4473, VIN 3VWBW7BU2TM052597. $341 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $501, made up of $341 first payment, $60 title, $100 registration. MSRP $28,081. Lease selling price $25,924. Net capitalized cost $26,599. Residual value $17,410, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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_3VWBW7BU2TM052597_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28081.0, "selling_price": 25924.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 248.04, "net_cap_cost": 23600.0, "residual_value": 17410.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 248.04, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3407.04}, "total_of_payments": 8928, "total_of_payments_unrounded": 8929.44}, "disclosure": "Estimated lease payment for stock #W4473, VIN 3VWBW7BU2TM052597. $248 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,407, made up of $248 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,081. Lease selling price $25,924. Net capitalized cost $23,600. Residual value $17,410, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,928. 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": [{"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_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 $2,232. This offer applies to Stock #W4596, VIN 3VWGW7BU3TM036396. 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: $32,651. Advertised price: $30,419. Savings: $2,232, 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": "$32,651"}, {"label": "Advertised price", "value": "$30,419"}, {"label": "Savings", "value": "$2,232, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,232", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30419.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWGW7BU3TM036396_finance_60", "type": "finance_60", "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": 30419.0, "price_incl_doc": 30419.0, "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": 617.2, "amount_financed": 32320.19, "sales_tax": 1901.19, "total_of_payments": 37032.24, "finance_charge": 4712.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4596, VIN 3VWGW7BU3TM036396. $617 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,419, before any dealer documentation fee. Amount financed $32,320, including $1,901 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,032. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWGW7BU3TM036396_finance_72", "type": "finance_72", "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": 30419.0, "price_incl_doc": 30419.0, "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": 535.49, "amount_financed": 32320.19, "sales_tax": 1901.19, "total_of_payments": 38555.02, "finance_charge": 6234.83, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4596, VIN 3VWGW7BU3TM036396. $535 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,419, before any dealer documentation fee. Amount financed $32,320, including $1,901 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,555. 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_3VWGW7BU3TM036396_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30419.0, "price_incl_doc": 30419.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 479.78, "amount_financed": 32320.19, "sales_tax": 1901.19, "total_of_payments": 40301.53, "finance_charge": 7981.34, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4596, VIN 3VWGW7BU3TM036396. $480 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,419, before any dealer documentation fee. Amount financed $32,320, including $1,901 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,302. 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_3VWGW7BU3TM036396_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": 32651.0, "selling_price": 30419.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 402.06, "net_cap_cost": 31094.0, "residual_value": 20243.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 402.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 562.06}, "total_of_payments": 14472, "total_of_payments_unrounded": 14474.16}, "disclosure": "Estimated lease payment for stock #W4596, VIN 3VWGW7BU3TM036396. $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 $32,651. Lease selling price $30,419. Net capitalized cost $31,094. Residual value $20,244, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VWGW7BU3TM036396_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": 32651.0, "selling_price": 30419.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 308.76, "net_cap_cost": 28095.0, "residual_value": 20243.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 308.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3467.76}, "total_of_payments": 11124, "total_of_payments_unrounded": 11115.36}, "disclosure": "Estimated lease payment for stock #W4596, VIN 3VWGW7BU3TM036396. $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 $32,651. Lease selling price $30,419. Net capitalized cost $28,095. Residual value $20,244, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 470}}, {"vin": "1V2BN2CA2TC539375", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 47871.0, "msrp": 53276.0, "sale_price": 47871.0, "currency": "USD", "mileage": 30, "exterior_color": "White", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD261748X", "stock_status": "Available", "availability": "In Stock", 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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 $5,405. This offer applies to Stock #VD261748X, VIN 1V2BN2CA2TC539375. 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: $53,276. Advertised price: $47,871. Savings: $5,405, 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": "$53,276"}, {"label": "Advertised price", "value": "$47,871"}, {"label": "Savings", "value": "$5,405, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,405", "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA2TC539375_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 971, "unit": "per_month", "display": "$971/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47871.0, "price_incl_doc": 47871.0, "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": 971.31, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 58278.39, "finance_charge": 7415.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261748X, VIN 1V2BN2CA2TC539375. $971 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,278. 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_1V2BN2CA2TC539375_finance_72", "type": "finance_72", "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": 47871.0, "price_incl_doc": 47871.0, "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": 842.71, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 60674.81, "finance_charge": 9811.87, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261748X, VIN 1V2BN2CA2TC539375. $843 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,675. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA2TC539375_finance_84", "type": "finance_84", "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": 47871.0, "price_incl_doc": 47871.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.04, "amount_financed": 50862.94, "sales_tax": 2991.94, "total_of_payments": 63423.34, "finance_charge": 12560.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261748X, VIN 1V2BN2CA2TC539375. $755 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,871, before any dealer documentation fee. Amount financed $50,863, including $2,992 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,423. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA2TC539375_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 587.92, "net_cap_cost": 48546.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 587.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 747.92}, "total_of_payments": 21168, "total_of_payments_unrounded": 21165.12}, "disclosure": "Estimated lease payment for stock #VD261748X, VIN 1V2BN2CA2TC539375. $588 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $748, made up of $588 first payment, $60 title, $100 registration. MSRP $53,276. Lease selling price $47,871. Net capitalized cost $48,546. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA2TC539375_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": 53276.0, "selling_price": 47871.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.63, "net_cap_cost": 45547.0, "residual_value": 33031.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3653.63}, "total_of_payments": 17820, "total_of_payments_unrounded": 17806.68}, "disclosure": "Estimated lease payment for stock #VD261748X, VIN 1V2BN2CA2TC539375. $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 $53,276. Lease selling price $47,871. Net capitalized cost $45,547. Residual value $33,031, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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 #W4697, VIN 3VVUW7RM3TM121610. Advertised price: $45,803. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$45,803"}], "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": "2026-07-26T16:50:42Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45803.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM3TM121610_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": 45803.0, "price_incl_doc": 45803.0, "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": 929.35, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 55760.8, "finance_charge": 7095.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4697, VIN 3VVUW7RM3TM121610. $929 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,761. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM3TM121610_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45803.0, "price_incl_doc": 45803.0, "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": 806.3, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 58053.7, "finance_charge": 9388.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4697, VIN 3VVUW7RM3TM121610. $806 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM3TM121610_finance_84", "type": "finance_84", "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": 45803.0, "price_incl_doc": 45803.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 722.42, "amount_financed": 48665.69, "sales_tax": 2862.69, "total_of_payments": 60683.49, "finance_charge": 12017.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4697, VIN 3VVUW7RM3TM121610. $722 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,803, before any dealer documentation fee. Amount financed $48,666, including $2,863 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,683. 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_3VVUW7RM3TM121610_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 45803.0, "selling_price": 45803.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 652.95, "net_cap_cost": 46478.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 652.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 812.95}, "total_of_payments": 23508, "total_of_payments_unrounded": 23506.2}, "disclosure": "Estimated lease payment for stock #W4697, VIN 3VVUW7RM3TM121610. $653 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $813, made up of $653 first payment, $60 title, $100 registration. MSRP $45,803. Lease selling price $45,803. Net capitalized cost $46,478. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVUW7RM3TM121610_lease", "type": "lease", "label": "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": 45803.0, "selling_price": 45803.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 559.66, "net_cap_cost": 43479.0, "residual_value": 28397.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 559.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3718.66}, "total_of_payments": 20160, "total_of_payments_unrounded": 20147.76}, "disclosure": "Estimated lease payment for stock #W4697, VIN 3VVUW7RM3TM121610. $560 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,719, made up of $560 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,803. Lease selling price $45,803. Net capitalized cost $43,479. Residual value $28,398, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 439}}, {"vin": "3VVER7RM5TM100723", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 33831.0, "msrp": 37586.0, "sale_price": 33831.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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[], "price_history": [], "window_sticker": {"msrp": 37586.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm5tm100723/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm5tm100723/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RM5TM100723.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM5TM100723.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM5TM100723.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm5tm100723/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,755. This offer applies to Stock #NRVD261966, VIN 3VVER7RM5TM100723. 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: $37,586. Advertised price: $33,831. Savings: $3,755, 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": "$37,586"}, {"label": "Advertised price", "value": "$33,831"}, {"label": "Savings", "value": "$3,755, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,755", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33831.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM5TM100723_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": 33831.0, "price_incl_doc": 33831.0, "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": 686.43, "amount_financed": 35945.44, "sales_tax": 2114.44, "total_of_payments": 41186.03, "finance_charge": 5240.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261966, VIN 3VVER7RM5TM100723. $686 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,831, before any dealer documentation fee. Amount financed $35,945, including $2,114 estimated sales tax at 6.25%. That is $19.10 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_3VVER7RM5TM100723_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": 33831.0, "price_incl_doc": 33831.0, "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": 595.55, "amount_financed": 35945.44, "sales_tax": 2114.44, "total_of_payments": 42879.61, "finance_charge": 6934.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261966, VIN 3VVER7RM5TM100723. $596 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,831, before any dealer documentation fee. Amount financed $35,945, including $2,114 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,880. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM5TM100723_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": 33831.0, "price_incl_doc": 33831.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.6, "amount_financed": 35945.44, "sales_tax": 2114.44, "total_of_payments": 44822.02, "finance_charge": 8876.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261966, VIN 3VVER7RM5TM100723. $534 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,831, before any dealer documentation fee. Amount financed $35,945, including $2,114 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,822. 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_3VVER7RM5TM100723_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 37586.0, "selling_price": 33831.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.77, "net_cap_cost": 34506.0, "residual_value": 23303.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 582.77}, "total_of_payments": 15228, "total_of_payments_unrounded": 15219.72}, "disclosure": "Estimated lease payment for stock #NRVD261966, VIN 3VVER7RM5TM100723. $423 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $583, made up of $423 first payment, $60 title, $100 registration. MSRP $37,586. Lease selling price $33,831. Net capitalized cost $34,506. Residual value $23,303, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVER7RM5TM100723_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37586.0, "selling_price": 33831.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 329.48, "net_cap_cost": 31507.0, "residual_value": 23303.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 329.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3488.48}, "total_of_payments": 11844, "total_of_payments_unrounded": 11861.28}, "disclosure": "Estimated lease payment for stock #NRVD261966, VIN 3VVER7RM5TM100723. $329 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,488, made up of $329 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,586. Lease selling price $33,831. Net capitalized cost $31,507. Residual value $23,303, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,844. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 423}}, {"vin": "3VVMR7RM9TM118556", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 7, "exterior_color": "Pure White", "interior_color": "Grigio and 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": "VD262153", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm118556/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM9TM118556.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM9TM118556.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM9TM118556.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm9tm118556/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262153, VIN 3VVMR7RM9TM118556. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM9TM118556_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262153, VIN 3VVMR7RM9TM118556. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM118556_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262153, VIN 3VVMR7RM9TM118556. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM9TM118556_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262153, VIN 3VVMR7RM9TM118556. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM9TM118556_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262153, VIN 3VVMR7RM9TM118556. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM9TM118556_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262153, VIN 3VVMR7RM9TM118556. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 400}}, {"vin": "3VV2C7B24TM078257", "title": "2026 Volkswagen Taos SE Black", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE Black", "decoded_trim": "4Motion SE Black", "condition": "new", "price": 35395.0, "msrp": 35395.0, "sale_price": 35395.0, "currency": "USD", "mileage": null, "exterior_color": "Pure White w/Deep Blk Rf", "interior_color": null, "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "VD262340", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/db0736441ba84c4ba7b6bda26dc9a03c.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/db0736441ba84c4ba7b6bda26dc9a03c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff4cd186f9ca41219fbe42901c8b159a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/721b53b00dc941b0b081a0967c40a866.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c314bd026c864eaea1415f1be1c7a3a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85219763d3d2421d889d2719e075c81d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0e9d94e6f2d44145bf03b7c6a62bca33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ecbab75f3a2411bba5b40bf139d8fe9.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2026, "trim": "4Motion SE Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35395.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b24tm078257/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b24tm078257/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VV2C7B24TM078257.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VV2C7B24TM078257.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VV2C7B24TM078257.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b24tm078257/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262340, VIN 3VV2C7B24TM078257. Advertised price: $35,395. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$35,395"}], "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35395.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B24TM078257_finance_60", "type": "finance_60", "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": 35395.0, "price_incl_doc": 35395.0, "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": 718.17, "amount_financed": 37607.19, "sales_tax": 2212.19, "total_of_payments": 43090.05, "finance_charge": 5482.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262340, VIN 3VV2C7B24TM078257. $718 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,395, before any dealer documentation fee. Amount financed $37,607, including $2,212 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,090. 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_3VV2C7B24TM078257_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35395.0, "price_incl_doc": 35395.0, "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": 623.08, "amount_financed": 37607.19, "sales_tax": 2212.19, "total_of_payments": 44861.92, "finance_charge": 7254.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262340, VIN 3VV2C7B24TM078257. $623 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,395, before any dealer documentation fee. Amount financed $37,607, including $2,212 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,862. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B24TM078257_finance_84", "type": "finance_84", "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": 35395.0, "price_incl_doc": 35395.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 558.26, "amount_financed": 37607.19, "sales_tax": 2212.19, "total_of_payments": 46894.14, "finance_charge": 9286.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262340, VIN 3VV2C7B24TM078257. $558 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,395, before any dealer documentation fee. Amount financed $37,607, including $2,212 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,894. 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_3VV2C7B24TM078257_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 35395.0, "selling_price": 35395.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 509.35, "net_cap_cost": 36070.0, "residual_value": 21944.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 509.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 669.35}, "total_of_payments": 18324, "total_of_payments_unrounded": 18336.6}, "disclosure": "Estimated lease payment for stock #VD262340, VIN 3VV2C7B24TM078257. $509 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $669, made up of $509 first payment, $60 title, $100 registration. MSRP $35,395. Lease selling price $35,395. Net capitalized cost $36,070. Residual value $21,945, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VV2C7B24TM078257_lease", "type": "lease", "label": "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": 35395.0, "selling_price": 35395.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 416.06, "net_cap_cost": 33071.0, "residual_value": 21944.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 416.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3575.06}, "total_of_payments": 14976, "total_of_payments_unrounded": 14978.16}, "disclosure": "Estimated lease payment for stock #VD262340, VIN 3VV2C7B24TM078257. $416 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,575, made up of $416 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,395. 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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_KM8J3CA21HU295493_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 289, "unit": "per_month", "display": "$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": 13885.0, "price_incl_doc": 13885.0, "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": 288.59, "amount_financed": 14752.81, "sales_tax": 867.81, "total_of_payments": 17315.19, "finance_charge": 2562.38, "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. $289 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $13,885, before any dealer documentation fee. Amount financed $14,753, including $868 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $17,315. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13885.0, "price_incl_doc": 13885.0, "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": 251.45, "amount_financed": 14752.81, "sales_tax": 867.81, "total_of_payments": 18104.39, "finance_charge": 3351.58, "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. $251 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $13,885, before any dealer documentation fee. Amount financed $14,753, including $868 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,104. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "$49,286"}, {"label": "Advertised price", "value": "$44,391"}, {"label": "Savings", "value": "$4,895, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,895", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44391.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 44391.0, "price_incl_doc": 44391.0, "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": 900.7, "amount_financed": 47165.44, "sales_tax": 2774.44, "total_of_payments": 54041.82, "finance_charge": 6876.38, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261776, VIN 1V2HN2CA5TC518868. $901 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,391, before any dealer documentation fee. Amount financed $47,165, including $2,774 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,042. 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_1V2HN2CA5TC518868_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44391.0, "price_incl_doc": 44391.0, "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": 781.44, "amount_financed": 47165.44, "sales_tax": 2774.44, "total_of_payments": 56264.03, "finance_charge": 9098.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261776, VIN 1V2HN2CA5TC518868. $781 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,391, before any dealer documentation fee. Amount financed $47,165, including $2,774 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,264. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA5TC518868_finance_84", "type": "finance_84", "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": 44391.0, "price_incl_doc": 44391.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.15, "amount_financed": 47165.44, "sales_tax": 2774.44, "total_of_payments": 58812.76, "finance_charge": 11647.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261776, VIN 1V2HN2CA5TC518868. $700 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,391, before any dealer documentation fee. Amount financed $47,165, including $2,774 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,813. 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_1V2HN2CA5TC518868_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 549, "unit": "per_month", "display": "$549/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49286.0, "selling_price": 44391.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 548.73, "net_cap_cost": 45066.0, "residual_value": 30557.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 548.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 708.73}, "total_of_payments": 19764, "total_of_payments_unrounded": 19754.28}, "disclosure": "Estimated lease payment for stock #VD261776, VIN 1V2HN2CA5TC518868. $549 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $709, made up of $549 first payment, $60 title, $100 registration. MSRP $49,286. Lease selling price $44,391. Net capitalized cost $45,066. Residual value $30,557, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,764. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA5TC518868_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": 49286.0, "selling_price": 44391.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 455.44, "net_cap_cost": 42067.0, "residual_value": 30557.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 455.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3614.44}, "total_of_payments": 16380, "total_of_payments_unrounded": 16395.84}, "disclosure": "Estimated lease payment for stock #VD261776, VIN 1V2HN2CA5TC518868. $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 $49,286. Lease selling price $44,391. Net capitalized cost $42,067. Residual value $30,557, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 322}}, {"vin": "3VVGR7RM2TM082674", "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": "new", "price": 37354.0, "msrp": 41226.0, "sale_price": 37354.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "VD262115", "stock_status": 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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm082674/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM2TM082674.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM2TM082674.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM2TM082674.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm082674/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,872. This offer applies to Stock #VD262115, VIN 3VVGR7RM2TM082674. 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: $41,226. Advertised price: $37,354. Savings: $3,872, 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": "$41,226"}, {"label": "Advertised price", "value": "$37,354"}, {"label": "Savings", "value": "$3,872, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,872", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37354.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM2TM082674_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": 37354.0, "price_incl_doc": 37354.0, "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": 757.92, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 45474.95, "finance_charge": 5786.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262115, VIN 3VVGR7RM2TM082674. $758 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,475. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM2TM082674_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": 37354.0, "price_incl_doc": 37354.0, "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": 657.57, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 47344.89, "finance_charge": 7656.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262115, VIN 3VVGR7RM2TM082674. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM2TM082674_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": 37354.0, "price_incl_doc": 37354.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.16, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 49489.58, "finance_charge": 9800.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262115, VIN 3VVGR7RM2TM082674. $589 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,490. 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_3VVGR7RM2TM082674_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": 41226.0, "selling_price": 37354.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.35, "net_cap_cost": 38029.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 629.35}, "total_of_payments": 16884, "total_of_payments_unrounded": 16896.6}, "disclosure": "Estimated lease payment for stock #VD262115, VIN 3VVGR7RM2TM082674. $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 $41,226. Lease selling price $37,354. Net capitalized cost $38,029. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM2TM082674_lease", "type": "lease", "label": "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": 41226.0, "selling_price": 37354.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 376.06, "net_cap_cost": 35030.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.06}, "total_of_payments": 13536, "total_of_payments_unrounded": 13538.16}, "disclosure": "Estimated lease payment for stock #VD262115, VIN 3VVGR7RM2TM082674. $376 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,535, made up of $376 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,226. Lease selling price $37,354. Net capitalized cost $35,030. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 341}}, {"vin": "1V2HN2CA7TC581843", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 48697.0, "msrp": 48697.0, "sale_price": 43926.0, "currency": "USD", "mileage": 5, "exterior_color": "Pure Gray", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4604", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/73763e84547c4d5bbac4e5f297ec548e.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/73763e84547c4d5bbac4e5f297ec548e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a9e4a78f155b49fbbb4a73a9988644fa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31eb13766970412ca530536d55d9eddf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a159571bcac34ffc8150e460e326f388.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/83bcf859a693430b8226c95bda657fd9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90e42c827f014fa8b4985673c69d8d02.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6fa4a51558ef4f5c9e2ef2eda0c1889a.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48697.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca7tc581843/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca7tc581843/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA7TC581843.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA7TC581843.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA7TC581843.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca7tc581843/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4604, VIN 1V2HN2CA7TC581843. Advertised price: $48,697. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$48,697"}], "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA7TC581843_finance_60", "type": "finance_60", "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": 48697.0, "price_incl_doc": 48697.0, "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": 988.07, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 59283.96, "finance_charge": 7543.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4604, VIN 1V2HN2CA7TC581843. $988 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,284. 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_1V2HN2CA7TC581843_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 857, "unit": "per_month", "display": "$857/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48697.0, "price_incl_doc": 48697.0, "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": 857.25, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 61721.73, "finance_charge": 9981.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4604, VIN 1V2HN2CA7TC581843. $857 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,722. 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_1V2HN2CA7TC581843_finance_84", "type": "finance_84", "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": 48697.0, "price_incl_doc": 48697.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 768.07, "amount_financed": 51740.56, "sales_tax": 3043.56, "total_of_payments": 64517.69, "finance_charge": 12777.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4604, VIN 1V2HN2CA7TC581843. $768 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,697, before any dealer documentation fee. Amount financed $51,741, including $3,044 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,518. 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_1V2HN2CA7TC581843_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": 48697.0, "selling_price": 48697.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 692.88, "net_cap_cost": 49372.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 692.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 852.88}, "total_of_payments": 24948, "total_of_payments_unrounded": 24943.68}, "disclosure": "Estimated lease payment for stock #W4604, VIN 1V2HN2CA7TC581843. $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 $48,697. Lease selling price $48,697. Net capitalized cost $49,372. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA7TC581843_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": 48697.0, "selling_price": 48697.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 599.59, "net_cap_cost": 46373.0, "residual_value": 30192.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 599.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3758.59}, "total_of_payments": 21600, "total_of_payments_unrounded": 21585.24}, "disclosure": "Estimated lease payment for stock #W4604, VIN 1V2HN2CA7TC581843. $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 $48,697. Lease selling price $48,697. Net capitalized cost $46,373. Residual value $30,192, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 357}}, {"vin": "1V2BN2CA9TC572292", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 52643.0, "msrp": 52643.0, "sale_price": 47707.0, "currency": "USD", "mileage": 7, "exterior_color": "Pure Gray", "interior_color": "French Roast/Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline 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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca9tc572292/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA9TC572292.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA9TC572292.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA9TC572292.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca9tc572292/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #W4726, VIN 1V2BN2CA9TC572292. Advertised price: $52,643. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$52,643"}], "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52643.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA9TC572292_finance_60", "type": "finance_60", "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": 52643.0, "price_incl_doc": 52643.0, "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": 1068.13, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 64087.85, "finance_charge": 8154.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4726, VIN 1V2BN2CA9TC572292. $1,068 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,088. 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_1V2BN2CA9TC572292_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 927, "unit": "per_month", "display": "$927/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52643.0, "price_incl_doc": 52643.0, "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": 926.71, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 66723.15, "finance_charge": 10789.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4726, VIN 1V2BN2CA9TC572292. $927 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,723. 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_1V2BN2CA9TC572292_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": 52643.0, "price_incl_doc": 52643.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 830.31, "amount_financed": 55933.19, "sales_tax": 3290.19, "total_of_payments": 69745.67, "finance_charge": 13812.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4726, VIN 1V2BN2CA9TC572292. $830 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,643, before any dealer documentation fee. Amount financed $55,933, including $3,290 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,746. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA9TC572292_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": 52643.0, "selling_price": 52643.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 747.32, "net_cap_cost": 53318.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 747.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 907.32}, "total_of_payments": 26892, "total_of_payments_unrounded": 26903.52}, "disclosure": "Estimated lease payment for stock #W4726, VIN 1V2BN2CA9TC572292. $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 $52,643. Lease selling price $52,643. Net capitalized cost $53,318. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA9TC572292_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52643.0, "selling_price": 52643.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 654.03, "net_cap_cost": 50319.0, "residual_value": 32638.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 654.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3813.03}, "total_of_payments": 23544, "total_of_payments_unrounded": 23545.08}, "disclosure": "Estimated lease payment for stock #W4726, VIN 1V2BN2CA9TC572292. $654 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,813, made up of $654 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,643. Lease selling price $52,643. Net capitalized cost $50,319. Residual value $32,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,544. 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": 302}}, {"vin": "1V2HN2CAXTC583263", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43927.0, "msrp": 49186.0, "sale_price": 43927.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure Gray", "interior_color": "Titan Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc583263/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc583263/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CAXTC583263.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CAXTC583263.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CAXTC583263.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc583263/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,259. This offer applies to Stock #VD262276, VIN 1V2HN2CAXTC583263. 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: $49,186. Advertised price: $43,927. Savings: $5,259, 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": "$49,186"}, {"label": "Advertised price", "value": "$43,927"}, {"label": "Savings", "value": "$5,259, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,259", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CAXTC583263_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43927.0, "price_incl_doc": 43927.0, "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": 891.28, "amount_financed": 46672.44, "sales_tax": 2745.44, "total_of_payments": 53476.95, "finance_charge": 6804.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262276, VIN 1V2HN2CAXTC583263. $891 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,927, before any dealer documentation fee. Amount financed $46,672, including $2,745 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,477. 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_1V2HN2CAXTC583263_finance_72", "type": "finance_72", "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": 43927.0, "price_incl_doc": 43927.0, "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": 773.28, "amount_financed": 46672.44, "sales_tax": 2745.44, "total_of_payments": 55675.93, "finance_charge": 9003.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262276, VIN 1V2HN2CAXTC583263. $773 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,927, before any dealer documentation fee. Amount financed $46,672, including $2,745 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,676. 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_1V2HN2CAXTC583263_finance_84", "type": "finance_84", "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": 43927.0, "price_incl_doc": 43927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.83, "amount_financed": 46672.44, "sales_tax": 2745.44, "total_of_payments": 58198.01, "finance_charge": 11525.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262276, VIN 1V2HN2CAXTC583263. $693 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,927, before any dealer documentation fee. Amount financed $46,672, including $2,745 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,198. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC583263_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49186.0, "selling_price": 43927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 536.03, "net_cap_cost": 44602.0, "residual_value": 30495.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 536.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 696.03}, "total_of_payments": 19296, "total_of_payments_unrounded": 19297.08}, "disclosure": "Estimated lease payment for stock #VD262276, VIN 1V2HN2CAXTC583263. $536 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $696, made up of $536 first payment, $60 title, $100 registration. MSRP $49,186. Lease selling price $43,927. Net capitalized cost $44,602. Residual value $30,495, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,296. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC583263_lease", "type": "lease", "label": "Lease", "headline": {"value": 443, "unit": "per_month", "display": "$443/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49186.0, "selling_price": 43927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 442.74, "net_cap_cost": 41603.0, "residual_value": 30495.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 442.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3601.74}, "total_of_payments": 15948, "total_of_payments_unrounded": 15938.64}, "disclosure": "Estimated lease payment for stock #VD262276, VIN 1V2HN2CAXTC583263. $443 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,602, made up of $443 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,186. Lease selling price $43,927. Net capitalized cost $41,603. Residual value $30,495, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,948. 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"}], "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": 292}}, {"vin": "1V2HN2CA0TC576466", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44010.0, "msrp": 48893.0, "sale_price": 44010.0, "currency": "USD", "mileage": 6, "exterior_color": "Deep Black Pearl", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4549", "stock_status": "Available", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48893.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca0tc576466/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca0tc576466/2026-volkswagen-atlas-sport-utility", "canonical_url": 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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 $4,883. This offer applies to Stock #W4549, VIN 1V2HN2CA0TC576466. 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: $48,893. Advertised price: $44,010. Savings: $4,883, 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": "$48,893"}, {"label": "Advertised price", "value": "$44,010"}, {"label": "Savings", "value": "$4,883, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,883", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA0TC576466_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 893, "unit": "per_month", "display": "$893/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "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": 892.97, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 53577.99, "finance_charge": 6817.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4549, VIN 1V2HN2CA0TC576466. $893 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,578. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA0TC576466_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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "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": 774.74, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 55781.13, "finance_charge": 9020.5, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4549, VIN 1V2HN2CA0TC576466. $775 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,781. 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_1V2HN2CA0TC576466_finance_84", "type": "finance_84", "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": 44010.0, "price_incl_doc": 44010.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.14, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 58307.98, "finance_charge": 11547.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4549, VIN 1V2HN2CA0TC576466. $694 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,308. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA0TC576466_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": 48893.0, "selling_price": 44010.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 543.68, "net_cap_cost": 44685.0, "residual_value": 30313.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 543.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 703.68}, "total_of_payments": 19584, "total_of_payments_unrounded": 19572.48}, "disclosure": "Estimated lease payment for stock #W4549, VIN 1V2HN2CA0TC576466. $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 $48,893. Lease selling price $44,010. Net capitalized cost $44,685. Residual value $30,314, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2HN2CA0TC576466_lease", "type": "lease", "label": "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": 48893.0, "selling_price": 44010.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 450.39, "net_cap_cost": 41686.0, "residual_value": 30313.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 450.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3609.39}, "total_of_payments": 16200, "total_of_payments_unrounded": 16214.04}, "disclosure": "Estimated lease payment for stock #W4549, VIN 1V2HN2CA0TC576466. $450 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,609, made up of $450 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,893. Lease selling price $44,010. Net capitalized cost $41,686. Residual value $30,314, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 310}}, {"vin": "3VVMR7RM5TM006305", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 8, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio", "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": "VD261689", "stock_status": "Available", "availability": "In Stock", 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm006305/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm006305/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM5TM006305.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM006305.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM006305.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm006305/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD261689, VIN 3VVMR7RM5TM006305. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM006305_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261689, VIN 3VVMR7RM5TM006305. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM006305_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261689, VIN 3VVMR7RM5TM006305. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM5TM006305_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261689, VIN 3VVMR7RM5TM006305. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM006305_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD261689, VIN 3VVMR7RM5TM006305. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM5TM006305_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD261689, VIN 3VVMR7RM5TM006305. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 319}}, {"vin": "1V2KN2CA3TC579643", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45120.0, "msrp": 50626.0, "sale_price": 45120.0, "currency": "USD", "mileage": 8, "exterior_color": "Avocado Green 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD262266", "stock_status": "Available", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca3tc579643/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA3TC579643.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA3TC579643.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA3TC579643.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca3tc579643/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,506. This offer applies to Stock #VD262266, VIN 1V2KN2CA3TC579643. 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: $50,626. Advertised price: $45,120. Savings: $5,506, 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": "$50,626"}, {"label": "Advertised price", "value": "$45,120"}, {"label": "Savings", "value": "$5,506, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,506", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45120.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA3TC579643_finance_60", "type": "finance_60", "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": 45120.0, "price_incl_doc": 45120.0, "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": 915.49, "amount_financed": 47940.0, "sales_tax": 2820.0, "total_of_payments": 54929.31, "finance_charge": 6989.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262266, VIN 1V2KN2CA3TC579643. $915 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,120, before any dealer documentation fee. Amount financed $47,940, including $2,820 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,929. 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_1V2KN2CA3TC579643_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 794, "unit": "per_month", "display": "$794/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45120.0, "price_incl_doc": 45120.0, "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": 794.28, "amount_financed": 47940.0, "sales_tax": 2820.0, "total_of_payments": 57188.01, "finance_charge": 9248.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262266, VIN 1V2KN2CA3TC579643. $794 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,120, before any dealer documentation fee. Amount financed $47,940, including $2,820 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,188. 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_1V2KN2CA3TC579643_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": 45120.0, "price_incl_doc": 45120.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.65, "amount_financed": 47940.0, "sales_tax": 2820.0, "total_of_payments": 59778.59, "finance_charge": 11838.59, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262266, VIN 1V2KN2CA3TC579643. $712 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,120, before any dealer documentation fee. Amount financed $47,940, including $2,820 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,779. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA3TC579643_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": 50626.0, "selling_price": 45120.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 548.21, "net_cap_cost": 45795.0, "residual_value": 31388.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 548.21, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 708.21}, "total_of_payments": 19728, "total_of_payments_unrounded": 19735.56}, "disclosure": "Estimated lease payment for stock #VD262266, VIN 1V2KN2CA3TC579643. $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 $50,626. Lease selling price $45,120. Net capitalized cost $45,795. Residual value $31,388, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KN2CA3TC579643_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": 50626.0, "selling_price": 45120.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.92, "net_cap_cost": 42796.0, "residual_value": 31388.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.92, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3613.92}, "total_of_payments": 16380, "total_of_payments_unrounded": 16377.12}, "disclosure": "Estimated lease payment for stock #VD262266, VIN 1V2KN2CA3TC579643. $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 $50,626. Lease selling price $45,120. Net capitalized cost $42,796. Residual value $31,388, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 301}}, {"vin": "3VV2C7B25TM055523", "title": "2026 Volkswagen Taos SE Black", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SE Black", "decoded_trim": "4Motion SE Black", "condition": "new", "price": 33338.0, "msrp": 35669.0, "sale_price": 33338.0, "currency": "USD", "mileage": 6, "exterior_color": "Deep Black 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "W4446", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vv2c7b25tm055523/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,331. This offer applies to Stock #W4446, VIN 3VV2C7B25TM055523. 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: $35,669. Advertised price: $33,338. Savings: $2,331, 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": "$35,669"}, {"label": "Advertised price", "value": "$33,338"}, {"label": "Savings", "value": "$2,331, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,331", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33338.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2C7B25TM055523_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": 33338.0, "price_incl_doc": 33338.0, "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": 676.43, "amount_financed": 35421.63, "sales_tax": 2083.63, "total_of_payments": 40585.85, "finance_charge": 5164.22, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4446, VIN 3VV2C7B25TM055523. $676 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,338, before any dealer documentation fee. Amount financed $35,422, including $2,084 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,586. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2C7B25TM055523_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": 33338.0, "price_incl_doc": 33338.0, "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": 586.87, "amount_financed": 35421.63, "sales_tax": 2083.63, "total_of_payments": 42254.75, "finance_charge": 6833.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4446, VIN 3VV2C7B25TM055523. $587 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,338, before any dealer documentation fee. Amount financed $35,422, including $2,084 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,255. 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_3VV2C7B25TM055523_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": 33338.0, "price_incl_doc": 33338.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 525.82, "amount_financed": 35421.63, "sales_tax": 2083.63, "total_of_payments": 44168.86, "finance_charge": 8747.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4446, VIN 3VV2C7B25TM055523. $526 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,338, before any dealer documentation fee. Amount financed $35,422, including $2,084 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,169. 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_3VV2C7B25TM055523_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 35669.0, "selling_price": 33338.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 440.62, "net_cap_cost": 34013.0, "residual_value": 22114.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 440.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 600.62}, "total_of_payments": 15876, "total_of_payments_unrounded": 15862.32}, "disclosure": "Estimated lease payment for stock #W4446, VIN 3VV2C7B25TM055523. $441 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $601, made up of $441 first payment, $60 title, $100 registration. MSRP $35,669. Lease selling price $33,338. Net capitalized cost $34,013. Residual value $22,115, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VV2C7B25TM055523_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35669.0, "selling_price": 33338.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 347.32, "net_cap_cost": 31014.0, "residual_value": 22114.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 347.32, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3506.32}, "total_of_payments": 12492, "total_of_payments_unrounded": 12503.52}, "disclosure": "Estimated lease payment for stock #W4446, VIN 3VV2C7B25TM055523. $347 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,506, made up of $347 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,669. Lease selling price $33,338. Net capitalized cost $31,014. Residual value $22,115, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,492. 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"}], "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": 308}}, {"vin": "3VVGR7RM1TM140757", "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": "new", "price": 38306.0, "msrp": 41858.0, "sale_price": 38306.0, "currency": "USD", "mileage": 5, "exterior_color": "Sandstone w/Deep Black Roof", "interior_color": "Grigio & 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": "W4734", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/bf4e938db84a498b8738a6cf9391b7c1.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/bf4e938db84a498b8738a6cf9391b7c1.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/7e996cec9c0549358708836410c0028e.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/ccde9e265b1c4c23a9cc90904c5eeba0.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b19ebfb50892457db29d2025f9081317.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/484a570956104e9a838b306dd6e6dee4.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/517c478e0bf54a7ca96f653a9bc1e4e6.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/24c6d9e880e3432dbf759867a78c3a79.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41858.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm140757/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm140757/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM1TM140757.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM140757.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM1TM140757.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm140757/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,552. This offer applies to Stock #W4734, VIN 3VVGR7RM1TM140757. 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: $41,858. Advertised price: $38,306. Savings: $3,552, 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": "$41,858"}, {"label": "Advertised price", "value": "$38,306"}, {"label": "Savings", "value": "$3,552, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,552", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38306.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM1TM140757_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": 38306.0, "price_incl_doc": 38306.0, "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": 777.23, "amount_financed": 40700.13, "sales_tax": 2394.13, "total_of_payments": 46633.92, "finance_charge": 5933.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4734, VIN 3VVGR7RM1TM140757. $777 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,306, before any dealer documentation fee. Amount financed $40,700, including $2,394 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,634. 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_3VVGR7RM1TM140757_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": 38306.0, "price_incl_doc": 38306.0, "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": 674.33, "amount_financed": 40700.13, "sales_tax": 2394.13, "total_of_payments": 48551.51, "finance_charge": 7851.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4734, VIN 3VVGR7RM1TM140757. $674 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,306, before any dealer documentation fee. Amount financed $40,700, including $2,394 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,552. 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_3VVGR7RM1TM140757_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": 38306.0, "price_incl_doc": 38306.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.18, "amount_financed": 40700.13, "sales_tax": 2394.13, "total_of_payments": 50750.87, "finance_charge": 10050.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4734, VIN 3VVGR7RM1TM140757. $604 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,306, before any dealer documentation fee. Amount financed $40,700, including $2,394 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,751. 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_3VVGR7RM1TM140757_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": 41858.0, "selling_price": 38306.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.02, "net_cap_cost": 38981.0, "residual_value": 25951.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.02, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 648.02}, "total_of_payments": 17568, "total_of_payments_unrounded": 17568.72}, "disclosure": "Estimated lease payment for stock #W4734, VIN 3VVGR7RM1TM140757. $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 $41,858. Lease selling price $38,306. Net capitalized cost $38,981. Residual value $25,952, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM1TM140757_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": 41858.0, "selling_price": 38306.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 394.73, "net_cap_cost": 35982.0, "residual_value": 25951.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 394.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3553.73}, "total_of_payments": 14220, "total_of_payments_unrounded": 14210.28}, "disclosure": "Estimated lease payment for stock #W4734, VIN 3VVGR7RM1TM140757. $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 $41,858. Lease selling price $38,306. Net capitalized cost $35,982. Residual value $25,952, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 272}}, {"vin": "3VVMR7RM5TM139842", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 35241.0, "msrp": 38786.0, "sale_price": 35241.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Crystal Gray", "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": "W4731", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/d136865b92534a68b6c688103a90e6b6.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/d136865b92534a68b6c688103a90e6b6.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/955094a8d7594a14b5f97d4626718f12.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/f77c269474d84667a64f530513c2b497.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/9949e9f436404336a609906d841f7dd5.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/06d49d6245e249f282ed1b5febc14256.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/484ab5932854425b99cfab3a9d5a3e77.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/0dd95efe878a4e4899dc9268bf9aa156.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm139842/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm139842/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM5TM139842.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM139842.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM5TM139842.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm5tm139842/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,545. This offer applies to Stock #W4731, VIN 3VVMR7RM5TM139842. 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: $38,786. Advertised price: $35,241. Savings: $3,545, 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": "$38,786"}, {"label": "Advertised price", "value": "$35,241"}, {"label": "Savings", "value": "$3,545, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,545", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35241.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM5TM139842_finance_60", "type": "finance_60", "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": 35241.0, "price_incl_doc": 35241.0, "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": 715.04, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 42902.56, "finance_charge": 5459.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4731, VIN 3VVMR7RM5TM139842. $715 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,903. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM139842_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": 35241.0, "price_incl_doc": 35241.0, "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": 620.37, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 44666.73, "finance_charge": 7223.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4731, VIN 3VVMR7RM5TM139842. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,667. 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_3VVMR7RM5TM139842_finance_84", "type": "finance_84", "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": 35241.0, "price_incl_doc": 35241.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.83, "amount_financed": 37443.56, "sales_tax": 2202.56, "total_of_payments": 46690.1, "finance_charge": 9246.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4731, VIN 3VVMR7RM5TM139842. $556 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,241, before any dealer documentation fee. Amount financed $37,444, including $2,203 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,690. 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_3VVMR7RM5TM139842_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 35241.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 445.86, "net_cap_cost": 35916.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.86}, "total_of_payments": 16056, "total_of_payments_unrounded": 16050.96}, "disclosure": "Estimated lease payment for stock #W4731, VIN 3VVMR7RM5TM139842. $446 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $606, made up of $446 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $35,241. Net capitalized cost $35,916. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,056. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM5TM139842_lease", "type": "lease", "label": "Lease", "headline": {"value": 353, "unit": "per_month", "display": "$353/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 35241.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 352.57, "net_cap_cost": 32917.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.57}, "total_of_payments": 12708, "total_of_payments_unrounded": 12692.52}, "disclosure": "Estimated lease payment for stock #W4731, VIN 3VVMR7RM5TM139842. $353 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,512, made up of $353 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $35,241. Net capitalized cost $32,917. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,708. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 328}}, {"vin": "1V2FN2CA6TC537078", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 51681.0, "msrp": 57136.0, "sale_price": 51681.0, "currency": "USD", "mileage": 6, "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262042", 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of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc537078/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA6TC537078.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC537078.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC537078.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc537078/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,455. This offer applies to Stock #VD262042, VIN 1V2FN2CA6TC537078. 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: $57,136. Advertised price: $51,681. Savings: $5,455, 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": "$57,136"}, {"label": "Advertised price", "value": "$51,681"}, {"label": "Savings", "value": "$5,455, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,455", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51681.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA6TC537078_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 1048.61, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 62916.7, "finance_charge": 8005.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262042, VIN 1V2FN2CA6TC537078. $1,049 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC537078_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 909.78, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 65503.85, "finance_charge": 10592.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262042, VIN 1V2FN2CA6TC537078. $910 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,504. 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_1V2FN2CA6TC537078_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.13, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 68471.13, "finance_charge": 13560.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262042, VIN 1V2FN2CA6TC537078. $815 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,471. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC537078_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": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 639.62, "net_cap_cost": 52356.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 639.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 799.62}, "total_of_payments": 23040, "total_of_payments_unrounded": 23026.32}, "disclosure": "Estimated lease payment for stock #VD262042, VIN 1V2FN2CA6TC537078. $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 $57,136. Lease selling price $51,681. Net capitalized cost $52,356. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA6TC537078_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.33, "net_cap_cost": 49357.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3705.33}, "total_of_payments": 19656, "total_of_payments_unrounded": 19667.88}, "disclosure": "Estimated lease payment for stock #VD262042, VIN 1V2FN2CA6TC537078. $546 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,705, made up of $546 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,136. Lease selling price $51,681. Net capitalized cost $49,357. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvbr7rm6tm056119/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,586. This offer applies to Stock #VD262071, VIN 3VVBR7RM6TM056119. 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: $34,381. Advertised price: $30,795. Savings: $3,586, 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": "$34,381"}, {"label": "Advertised price", "value": "$30,795"}, {"label": "Savings", "value": "$3,586, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,586", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30795.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVBR7RM6TM056119_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": 30795.0, "price_incl_doc": 30795.0, "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": 624.83, "amount_financed": 32719.69, "sales_tax": 1924.69, "total_of_payments": 37489.99, "finance_charge": 4770.3, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262071, VIN 3VVBR7RM6TM056119. $625 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,795, before any dealer documentation fee. Amount financed $32,720, including $1,925 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,490. 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_3VVBR7RM6TM056119_finance_72", "type": "finance_72", "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": 30795.0, "price_incl_doc": 30795.0, "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": 542.11, "amount_financed": 32719.69, "sales_tax": 1924.69, "total_of_payments": 39031.58, "finance_charge": 6311.89, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262071, VIN 3VVBR7RM6TM056119. $542 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,795, before any dealer documentation fee. Amount financed $32,720, including $1,925 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,032. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVBR7RM6TM056119_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30795.0, "price_incl_doc": 30795.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 485.71, "amount_financed": 32719.69, "sales_tax": 1924.69, "total_of_payments": 40799.69, "finance_charge": 8080.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262071, VIN 3VVBR7RM6TM056119. $486 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,795, before any dealer documentation fee. Amount financed $32,720, including $1,925 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,800. 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_3VVBR7RM6TM056119_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34381.0, "selling_price": 30795.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 383.81, "net_cap_cost": 31470.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 383.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 543.81}, "total_of_payments": 13824, "total_of_payments_unrounded": 13817.16}, "disclosure": "Estimated lease payment for stock #VD262071, VIN 3VVBR7RM6TM056119. $384 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $544, made up of $384 first payment, $60 title, $100 registration. MSRP $34,381. Lease selling price $30,795. Net capitalized cost $31,470. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVBR7RM6TM056119_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34381.0, "selling_price": 30795.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 290.51, "net_cap_cost": 28471.0, "residual_value": 21316.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 290.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3449.51}, "total_of_payments": 10476, "total_of_payments_unrounded": 10458.36}, "disclosure": "Estimated lease payment for stock #VD262071, VIN 3VVBR7RM6TM056119. $291 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,450, made up of $291 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,381. Lease selling price $30,795. Net capitalized cost $28,471. Residual value $21,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $10,476. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 #PHD0961A, VIN 5GAERBKW1LJ134122. Advertised price: $19,798. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$19,798"}], "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19798.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19798.0, "price_incl_doc": 19798.0, "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": 493.92, "amount_financed": 21035.38, "sales_tax": 1237.38, "total_of_payments": 23708.16, "finance_charge": 2672.78, "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. $494 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,798, before any dealer documentation fee. Amount financed $21,035, including $1,237 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,708. 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_5GAERBKW1LJ134122_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19798.0, "price_incl_doc": 19798.0, "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": 411.48, "amount_financed": 21035.38, "sales_tax": 1237.38, "total_of_payments": 24688.97, "finance_charge": 3653.59, "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. $411 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,798, before any dealer documentation fee. Amount financed $21,035, including $1,237 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,689. 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_5GAERBKW1LJ134122_finance_72", "type": "finance_72", "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": 19798.0, "price_incl_doc": 19798.0, "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": 358.53, "amount_financed": 21035.38, "sales_tax": 1237.38, "total_of_payments": 25814.26, "finance_charge": 4778.88, "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. $359 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,798, before any dealer documentation fee. Amount financed $21,035, including $1,237 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $25,814. 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"}], "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": 231}}, {"vin": "3VWBW7BU9TM075245", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25680.0, "msrp": 27785.0, "sale_price": 25680.0, "currency": "USD", "mileage": 5, "exterior_color": "Kings Red Metallic", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "W4738", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/e808d971b61847259c1f5135d7363996.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/e808d971b61847259c1f5135d7363996.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/38e7d872ae0742bcb7fe3693f9479441.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/a2cdb7155700434cb4bf95085379bb91.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b6c8516a3446409cb3c8ee4d49f6d8c2.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/50069b9d960a41f9a023b27c72e45e82.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/6f5ae4e954244af88448ddf62bff9578.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/62c3646cd1404f7c9a0e878efff7ea8d.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Jetta", "year": 2026, "trim": "Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27785.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm075245/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm075245/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU9TM075245.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU9TM075245.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU9TM075245.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu9tm075245/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,105. This offer applies to Stock #W4738, VIN 3VWBW7BU9TM075245. 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: $27,785. Advertised price: $25,680. Savings: $2,105, 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": "$27,785"}, {"label": "Advertised price", "value": "$25,680"}, {"label": "Savings", "value": "$2,105, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,105", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25680.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU9TM075245_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": 25680.0, "price_incl_doc": 25680.0, "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": 521.05, "amount_financed": 27285.0, "sales_tax": 1605.0, "total_of_payments": 31262.96, "finance_charge": 3977.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4738, VIN 3VWBW7BU9TM075245. $521 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,680, before any dealer documentation fee. Amount financed $27,285, including $1,605 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,263. 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_3VWBW7BU9TM075245_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25680.0, "price_incl_doc": 25680.0, "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": 452.06, "amount_financed": 27285.0, "sales_tax": 1605.0, "total_of_payments": 32548.5, "finance_charge": 5263.5, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4738, VIN 3VWBW7BU9TM075245. $452 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,680, before any dealer documentation fee. Amount financed $27,285, including $1,605 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,548. 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_3VWBW7BU9TM075245_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25680.0, "price_incl_doc": 25680.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 405.03, "amount_financed": 27285.0, "sales_tax": 1605.0, "total_of_payments": 34022.92, "finance_charge": 6737.92, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4738, VIN 3VWBW7BU9TM075245. $405 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,680, before any dealer documentation fee. Amount financed $27,285, including $1,605 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,023. 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_3VWBW7BU9TM075245_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 27785.0, "selling_price": 25680.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 338.87, "net_cap_cost": 26355.0, "residual_value": 17226.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 338.87, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 498.87}, "total_of_payments": 12204, "total_of_payments_unrounded": 12199.32}, "disclosure": "Estimated lease payment for stock #W4738, VIN 3VWBW7BU9TM075245. $339 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $499, made up of $339 first payment, $60 title, $100 registration. MSRP $27,785. Lease selling price $25,680. Net capitalized cost $26,355. Residual value $17,227, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VWBW7BU9TM075245_lease", "type": "lease", "label": "Lease", "headline": {"value": 246, "unit": "per_month", "display": "$246/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not 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": 25680.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 245.58, "net_cap_cost": 23356.0, "residual_value": 17226.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 245.58, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3404.58}, "total_of_payments": 8856, "total_of_payments_unrounded": 8840.88}, "disclosure": "Estimated lease payment for stock #W4738, VIN 3VWBW7BU9TM075245. $246 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,405, made up of $246 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,785. Lease selling price $25,680. Net capitalized cost $23,356. Residual value $17,227, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,856. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VWBW7BU6TM041652", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25871.0, "msrp": 28486.0, "sale_price": 25871.0, "currency": "USD", "mileage": 6, "exterior_color": "Monument Gray", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262140", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu6tm041652/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,615. This offer applies to Stock #VD262140, VIN 3VWBW7BU6TM041652. 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: $28,486. Advertised price: $25,871. Savings: $2,615, 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": "$28,486"}, {"label": "Advertised price", "value": "$25,871"}, {"label": "Savings", "value": "$2,615, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,615", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU6TM041652_finance_60", "type": "finance_60", "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": 25871.0, "price_incl_doc": 25871.0, "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": 524.92, "amount_financed": 27487.94, "sales_tax": 1616.94, "total_of_payments": 31495.48, "finance_charge": 4007.54, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262140, VIN 3VWBW7BU6TM041652. $525 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,871, before any dealer documentation fee. Amount financed $27,488, including $1,617 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,495. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU6TM041652_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": 25871.0, "price_incl_doc": 25871.0, "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": 455.42, "amount_financed": 27487.94, "sales_tax": 1616.94, "total_of_payments": 32790.59, "finance_charge": 5302.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262140, VIN 3VWBW7BU6TM041652. $455 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,871, before any dealer documentation fee. Amount financed $27,488, including $1,617 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,791. 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_3VWBW7BU6TM041652_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": 25871.0, "price_incl_doc": 25871.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 408.05, "amount_financed": 27487.94, "sales_tax": 1616.94, "total_of_payments": 34275.98, "finance_charge": 6788.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262140, VIN 3VWBW7BU6TM041652. $408 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,871, before any dealer documentation fee. Amount financed $27,488, including $1,617 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,276. 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_3VWBW7BU6TM041652_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28486.0, "selling_price": 25871.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 332.68, "net_cap_cost": 26546.0, "residual_value": 17661.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 332.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 492.68}, "total_of_payments": 11988, "total_of_payments_unrounded": 11976.48}, "disclosure": "Estimated lease payment for stock #VD262140, VIN 3VWBW7BU6TM041652. $333 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $493, made up of $333 first payment, $60 title, $100 registration. MSRP $28,486. Lease selling price $25,871. Net capitalized cost $26,546. Residual value $17,661, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU6TM041652_lease", "type": "lease", "label": "Lease", "headline": {"value": 239, "unit": "per_month", "display": "$239/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28486.0, "selling_price": 25871.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 239.39, "net_cap_cost": 23547.0, "residual_value": 17661.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 239.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3398.39}, "total_of_payments": 8604, "total_of_payments_unrounded": 8618.04}, "disclosure": "Estimated lease payment for stock #VD262140, VIN 3VWBW7BU6TM041652. $239 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,398, made up of $239 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,486. Lease selling price $25,871. Net capitalized cost $23,547. Residual value $17,661, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,604. 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"}], "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": 361}}, {"vin": "1V2FN2CAXTC576112", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 51681.0, "msrp": 57136.0, "sale_price": 51681.0, "currency": "USD", "mileage": 10, "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262239", 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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 $5,455. This offer applies to Stock #NRVD262239, VIN 1V2FN2CAXTC576112. 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: $57,136. Advertised price: $51,681. Savings: $5,455, 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": "$57,136"}, {"label": "Advertised price", "value": "$51,681"}, {"label": "Savings", "value": "$5,455, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,455", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51681.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CAXTC576112_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 1048.61, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 62916.7, "finance_charge": 8005.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262239, VIN 1V2FN2CAXTC576112. $1,049 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CAXTC576112_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 909.78, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 65503.85, "finance_charge": 10592.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262239, VIN 1V2FN2CAXTC576112. $910 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,504. 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_1V2FN2CAXTC576112_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.13, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 68471.13, "finance_charge": 13560.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262239, VIN 1V2FN2CAXTC576112. $815 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,471. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CAXTC576112_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": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 639.62, "net_cap_cost": 52356.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 639.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 799.62}, "total_of_payments": 23040, "total_of_payments_unrounded": 23026.32}, "disclosure": "Estimated lease payment for stock #NRVD262239, VIN 1V2FN2CAXTC576112. $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 $57,136. Lease selling price $51,681. Net capitalized cost $52,356. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CAXTC576112_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.33, "net_cap_cost": 49357.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3705.33}, "total_of_payments": 19656, "total_of_payments_unrounded": 19667.88}, "disclosure": "Estimated lease payment for stock #NRVD262239, VIN 1V2FN2CAXTC576112. $546 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,705, made up of $546 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,136. Lease selling price $51,681. Net capitalized cost $49,357. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 375}}, {"vin": "SADCT2FU2RA731891", "title": "2024 Jaguar F-PACE R-Dynamic S", "year": 2024, "make": "Jaguar", "model": "F-PACE", "trim": "R-Dynamic S", "decoded_trim": "P400 R-Dynamic S", "condition": "used", "price": 48771.0, "msrp": 48771.0, "sale_price": 48771.0, "currency": "USD", "mileage": 11873, "exterior_color": "Fuji White", "interior_color": "Ebony/Ebony/Ebony", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-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": "GD260428A", "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 #GD260428A, VIN SADCT2FU2RA731891. Advertised price: $48,771. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$48,771"}], "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48771.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1217, "unit": "per_month", "display": "$1,217/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48771.0, "price_incl_doc": 48771.0, "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": 1216.74, "amount_financed": 51819.19, "sales_tax": 3048.19, "total_of_payments": 58403.41, "finance_charge": 6584.22, "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. $1,217 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $48,771, before any dealer documentation fee. Amount financed $51,819, including $3,048 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $58,403. 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_SADCT2FU2RA731891_finance_60", "type": "finance_60", "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": 48771.0, "price_incl_doc": 48771.0, "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": 1013.66, "amount_financed": 51819.19, "sales_tax": 3048.19, "total_of_payments": 60819.55, "finance_charge": 9000.36, "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. $1,014 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $48,771, before any dealer documentation fee. Amount financed $51,819, including $3,048 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $60,820. 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_SADCT2FU2RA731891_finance_72", "type": "finance_72", "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": 48771.0, "price_incl_doc": 48771.0, "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": 883.22, "amount_financed": 51819.19, "sales_tax": 3048.19, "total_of_payments": 63591.62, "finance_charge": 11772.43, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260428A, VIN SADCT2FU2RA731891. $883 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $48,771, before any dealer documentation fee. Amount financed $51,819, including $3,048 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $63,592. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 294}}, {"vin": "1V2CN2CA6TC585487", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 45011.0, "msrp": 50628.0, "sale_price": 45011.0, "currency": "USD", "mileage": 6, "exterior_color": "Deep Black Pearl", "interior_color": "Black Leatherette", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "W4669", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/40c0c819e2e44eb28b34914702c52098.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/40c0c819e2e44eb28b34914702c52098.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/7e6a6e9cb83f49cb8d42eec2a5cf41ee.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/9fdb4282ac904520bd63ffef043ed803.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/f0737064b2e94cf58a2afeace388c918.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/34e5af781ab04a969f4e8c9c6f46479b.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/681a619ec0f54dfda83452940bae9346.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/d47c54c4ef694964ac3d193139716dc6.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion Peak Edition SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50628.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc585487/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc585487/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA6TC585487.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC585487.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC585487.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc585487/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,617. This offer applies to Stock #W4669, VIN 1V2CN2CA6TC585487. 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: $50,628. Advertised price: $45,011. Savings: $5,617, 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": "$50,628"}, {"label": "Advertised price", "value": "$45,011"}, {"label": "Savings", "value": "$5,617, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,617", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45011.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA6TC585487_finance_60", "type": "finance_60", "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": 45011.0, "price_incl_doc": 45011.0, "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": 913.28, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 54796.61, "finance_charge": 6972.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4669, VIN 1V2CN2CA6TC585487. $913 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,797. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC585487_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 792, "unit": "per_month", "display": "$792/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45011.0, "price_incl_doc": 45011.0, "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": 792.36, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 57049.86, "finance_charge": 9225.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4669, VIN 1V2CN2CA6TC585487. $792 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,050. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC585487_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": 45011.0, "price_incl_doc": 45011.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.93, "amount_financed": 47824.19, "sales_tax": 2813.19, "total_of_payments": 59634.18, "finance_charge": 11809.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4669, VIN 1V2CN2CA6TC585487. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,011, before any dealer documentation fee. Amount financed $47,824, including $2,813 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,634. 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_1V2CN2CA6TC585487_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50628.0, "selling_price": 45011.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.79, "net_cap_cost": 45686.0, "residual_value": 31389.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.79}, "total_of_payments": 19620, "total_of_payments_unrounded": 19612.44}, "disclosure": "Estimated lease payment for stock #W4669, VIN 1V2CN2CA6TC585487. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $50,628. Lease selling price $45,011. Net capitalized cost $45,686. Residual value $31,389, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,620. 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"}, {"offer_id": "of_1V2CN2CA6TC585487_lease", "type": "lease", "label": "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": 50628.0, "selling_price": 45011.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.5, "net_cap_cost": 42687.0, "residual_value": 31389.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3610.5}, "total_of_payments": 16272, "total_of_payments_unrounded": 16254.0}, "disclosure": "Estimated lease payment for stock #W4669, VIN 1V2CN2CA6TC585487. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,610, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,628. Lease selling price $45,011. Net capitalized cost $42,687. Residual value $31,389, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": "1V2HN2CA6TC558084", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44525.0, "msrp": 49881.0, "sale_price": 44525.0, "currency": "USD", "mileage": 10, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD261950", "stock_status": "Available", 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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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca6tc558084/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA6TC558084.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA6TC558084.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2HN2CA6TC558084.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca6tc558084/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,356. This offer applies to Stock #NRVD261950, VIN 1V2HN2CA6TC558084. 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: $49,881. Advertised price: $44,525. Savings: $5,356, 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": "$49,881"}, {"label": "Advertised price", "value": "$44,525"}, {"label": "Savings", "value": "$5,356, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,356", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44525.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA6TC558084_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44525.0, "price_incl_doc": 44525.0, "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": 903.42, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 54204.95, "finance_charge": 6897.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261950, VIN 1V2HN2CA6TC558084. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,205. 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_1V2HN2CA6TC558084_finance_72", "type": "finance_72", "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": 44525.0, "price_incl_doc": 44525.0, "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": 783.8, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 56433.87, "finance_charge": 9126.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261950, VIN 1V2HN2CA6TC558084. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,434. 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_1V2HN2CA6TC558084_finance_84", "type": "finance_84", "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": 44525.0, "price_incl_doc": 44525.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.27, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 58990.29, "finance_charge": 11682.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD261950, VIN 1V2HN2CA6TC558084. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,990. 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_1V2HN2CA6TC558084_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44525.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.6, "net_cap_cost": 45200.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.6, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.6}, "total_of_payments": 19548, "total_of_payments_unrounded": 19533.6}, "disclosure": "Estimated lease payment for stock #NRVD261950, VIN 1V2HN2CA6TC558084. $543 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $703, made up of $543 first payment, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,525. Net capitalized cost $45,200. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,548. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA6TC558084_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44525.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.31, "net_cap_cost": 42201.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.31}, "total_of_payments": 16164, "total_of_payments_unrounded": 16175.16}, "disclosure": "Estimated lease payment for stock #NRVD261950, VIN 1V2HN2CA6TC558084. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,525. Net capitalized cost $42,201. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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_history": [], "window_sticker": {"msrp": 34962.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b27tm051924/2026-volkswagen-taos-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b27tm051924/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B27TM051924.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B27TM051924.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B27TM051924.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b27tm051924/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,491. This offer applies to Stock #W4411, VIN 3VVVC7B27TM051924. 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: $34,962. Advertised price: $32,471. Savings: $2,491, 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": "$34,962"}, {"label": "Advertised price", "value": "$32,471"}, {"label": "Savings", "value": "$2,491, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,491", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32471.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B27TM051924_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": 32471.0, "price_incl_doc": 32471.0, "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": 658.84, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 39530.36, "finance_charge": 5029.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4411, VIN 3VVVC7B27TM051924. $659 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,530. 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"}, {"offer_id": "of_3VVVC7B27TM051924_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": 32471.0, "price_incl_doc": 32471.0, "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": 571.61, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 41155.85, "finance_charge": 6655.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4411, VIN 3VVVC7B27TM051924. $572 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,156. 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_3VVVC7B27TM051924_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32471.0, "price_incl_doc": 32471.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 512.15, "amount_financed": 34500.44, "sales_tax": 2029.44, "total_of_payments": 43020.19, "finance_charge": 8519.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4411, VIN 3VVVC7B27TM051924. $512 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,471, before any dealer documentation fee. Amount financed $34,500, including $2,029 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,020. 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_3VVVC7B27TM051924_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 425.88, "net_cap_cost": 33146.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 425.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 585.88}, "total_of_payments": 15336, "total_of_payments_unrounded": 15331.68}, "disclosure": "Estimated lease payment for stock #W4411, VIN 3VVVC7B27TM051924. $426 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $586, made up of $426 first payment, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $33,146. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVVC7B27TM051924_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34962.0, "selling_price": 32471.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 332.59, "net_cap_cost": 30147.0, "residual_value": 21676.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 332.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3491.59}, "total_of_payments": 11988, "total_of_payments_unrounded": 11973.24}, "disclosure": "Estimated lease payment for stock #W4411, VIN 3VVVC7B27TM051924. $333 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,492, made up of $333 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,962. Lease selling price $32,471. Net capitalized cost $30,147. Residual value $21,676, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 354}}, {"vin": "1V2BN2CA2TC579875", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 46836.0, "msrp": 52126.0, "sale_price": 46836.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "French Roast/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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262265", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/d1e6f209fbd54e66a827e198a3264b2f.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/d1e6f209fbd54e66a827e198a3264b2f.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/33428f70c8504a1598a7fb05864813e7.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/8d785c65b2714100b36ffab54c6aee18.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/ffb346bec63e438c9e056eb59ef2543f.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/388233c2b8ae43a98e564bf9993f362e.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/c6d92b8af25b4b058ffc5b543d85293d.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/c321ad1e1b4d4641827c4982968f48d2.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2026, "trim": "4Motion SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 52126.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca2tc579875/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca2tc579875/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BN2CA2TC579875.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA2TC579875.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BN2CA2TC579875.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca2tc579875/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,290. This offer applies to Stock #NRVD262265, VIN 1V2BN2CA2TC579875. 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: $52,126. Advertised price: $46,836. Savings: $5,290, 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": "$52,126"}, {"label": "Advertised price", "value": "$46,836"}, {"label": "Savings", "value": "$5,290, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,290", "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": "2026-07-26T16:50:43Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46836.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA2TC579875_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 950, "unit": "per_month", "display": "$950/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46836.0, "price_incl_doc": 46836.0, "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": 950.31, "amount_financed": 49763.25, "sales_tax": 2927.25, "total_of_payments": 57018.37, "finance_charge": 7255.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262265, VIN 1V2BN2CA2TC579875. $950 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,836, before any dealer documentation fee. Amount financed $49,763, including $2,927 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,018. 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_1V2BN2CA2TC579875_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 824, "unit": "per_month", "display": "$824/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46836.0, "price_incl_doc": 46836.0, "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": 824.49, "amount_financed": 49763.25, "sales_tax": 2927.25, "total_of_payments": 59362.98, "finance_charge": 9599.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262265, VIN 1V2BN2CA2TC579875. $824 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,836, before any dealer documentation fee. Amount financed $49,763, including $2,927 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,363. 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_1V2BN2CA2TC579875_finance_84", "type": "finance_84", "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": 46836.0, "price_incl_doc": 46836.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.72, "amount_financed": 49763.25, "sales_tax": 2927.25, "total_of_payments": 62052.09, "finance_charge": 12288.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262265, VIN 1V2BN2CA2TC579875. $739 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,836, before any dealer documentation fee. Amount financed $49,763, including $2,927 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,052. 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_1V2BN2CA2TC579875_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52126.0, "selling_price": 46836.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 575.63, "net_cap_cost": 47511.0, "residual_value": 32318.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 575.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 735.63}, "total_of_payments": 20736, "total_of_payments_unrounded": 20722.68}, "disclosure": "Estimated lease payment for stock #NRVD262265, VIN 1V2BN2CA2TC579875. $576 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $736, made up of $576 first payment, $60 title, $100 registration. MSRP $52,126. Lease selling price $46,836. Net capitalized cost $47,511. Residual value $32,318, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $20,736. 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"}, {"offer_id": "of_1V2BN2CA2TC579875_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52126.0, "selling_price": 46836.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 482.34, "net_cap_cost": 44512.0, "residual_value": 32318.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 482.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3641.34}, "total_of_payments": 17352, "total_of_payments_unrounded": 17364.24}, "disclosure": "Estimated lease payment for stock #NRVD262265, VIN 1V2BN2CA2TC579875. $482 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,641, made up of $482 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,126. Lease selling price $46,836. Net capitalized cost $44,512. Residual value $32,318, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $17,352. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 328}}, {"vin": "3VVMR7RM8TM065056", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34558.0, "msrp": 38481.0, "sale_price": 34558.0, "currency": "USD", "mileage": 9, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "VD262016X", "stock_status": "Available", "availability": "In Stock", 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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm065056/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM8TM065056.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM065056.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM065056.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm065056/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD262016X, VIN 3VVMR7RM8TM065056. 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: $38,481. Advertised price: $34,558. Savings: $3,923, 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": "$38,481"}, {"label": "Advertised price", "value": "$34,558"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34558.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM065056_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": 34558.0, "price_incl_doc": 34558.0, "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": 701.18, "amount_financed": 36717.88, "sales_tax": 2159.88, "total_of_payments": 42071.08, "finance_charge": 5353.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262016X, VIN 3VVMR7RM8TM065056. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,558, before any dealer documentation fee. Amount financed $36,718, including $2,160 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,071. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM065056_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": 34558.0, "price_incl_doc": 34558.0, "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": 608.35, "amount_financed": 36717.88, "sales_tax": 2159.88, "total_of_payments": 43801.06, "finance_charge": 7083.18, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262016X, VIN 3VVMR7RM8TM065056. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,558, before any dealer documentation fee. Amount financed $36,718, including $2,160 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,801. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM065056_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": 34558.0, "price_incl_doc": 34558.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 545.06, "amount_financed": 36717.88, "sales_tax": 2159.88, "total_of_payments": 45785.21, "finance_charge": 9067.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262016X, VIN 3VVMR7RM8TM065056. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,558, before any dealer documentation fee. Amount financed $36,718, including $2,160 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,785. 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_3VVMR7RM8TM065056_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38481.0, "selling_price": 34558.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 429.89, "net_cap_cost": 35233.0, "residual_value": 23858.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 429.89, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 589.89}, "total_of_payments": 15480, "total_of_payments_unrounded": 15476.04}, "disclosure": "Estimated lease payment for stock #VD262016X, VIN 3VVMR7RM8TM065056. $430 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $590, made up of $430 first payment, $60 title, $100 registration. MSRP $38,481. Lease selling price $34,558. Net capitalized cost $35,233. Residual value $23,858, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM8TM065056_lease", "type": "lease", "label": "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": 38481.0, "selling_price": 34558.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 336.6, "net_cap_cost": 32234.0, "residual_value": 23858.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 336.6, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3495.6}, "total_of_payments": 12132, "total_of_payments_unrounded": 12117.6}, "disclosure": "Estimated lease payment for stock #VD262016X, VIN 3VVMR7RM8TM065056. $337 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,496, made up of $337 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,481. Lease selling price $34,558. Net capitalized cost $32,234. Residual value $23,858, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 317}}, {"vin": "3VW1M7BU2TM037843", "title": "2026 Volkswagen Jetta GLI Autobahn", "year": 2026, "make": "Volkswagen", "model": "Jetta GLI", "trim": "Autobahn", "decoded_trim": "Autobahn", "condition": "new", "price": 33362.0, "msrp": 35946.0, "sale_price": 33362.0, "currency": "USD", "mileage": 25, "exterior_color": "Other", "interior_color": null, "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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 26, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "W4602", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35946.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu2tm037843/2026-volkswagen-jetta-gli-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu2tm037843/2026-volkswagen-jetta-gli-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW1M7BU2TM037843.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU2TM037843.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU2TM037843.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu2tm037843/2026-volkswagen-jetta-gli-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,584. This offer applies to Stock #W4602, VIN 3VW1M7BU2TM037843. 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: $35,946. Advertised price: $33,362. Savings: $2,584, 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": "$35,946"}, {"label": "Advertised price", "value": "$33,362"}, {"label": "Savings", "value": "$2,584, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,584", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33362.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW1M7BU2TM037843_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": 33362.0, "price_incl_doc": 33362.0, "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": 676.92, "amount_financed": 35447.13, "sales_tax": 2085.13, "total_of_payments": 40615.07, "finance_charge": 5167.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4602, VIN 3VW1M7BU2TM037843. $677 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,362, before any dealer documentation fee. Amount financed $35,447, including $2,085 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,615. 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_3VW1M7BU2TM037843_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": 33362.0, "price_incl_doc": 33362.0, "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": 587.29, "amount_financed": 35447.13, "sales_tax": 2085.13, "total_of_payments": 42285.17, "finance_charge": 6838.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4602, VIN 3VW1M7BU2TM037843. $587 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,362, before any dealer documentation fee. Amount financed $35,447, including $2,085 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,285. 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_3VW1M7BU2TM037843_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": 33362.0, "price_incl_doc": 33362.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 526.2, "amount_financed": 35447.13, "sales_tax": 2085.13, "total_of_payments": 44200.66, "finance_charge": 8753.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4602, VIN 3VW1M7BU2TM037843. $526 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,362, before any dealer documentation fee. Amount financed $35,447, including $2,085 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW1M7BU2TM037843_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": 35946.0, "selling_price": 33362.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.57, "net_cap_cost": 34037.0, "residual_value": 22286.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 596.57}, "total_of_payments": 15732, "total_of_payments_unrounded": 15716.52}, "disclosure": "Estimated lease payment for stock #W4602, VIN 3VW1M7BU2TM037843. $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 $35,946. Lease selling price $33,362. Net capitalized cost $34,037. Residual value $22,287, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VW1M7BU2TM037843_lease", "type": "lease", "label": "Lease", "headline": {"value": 343, "unit": "per_month", "display": "$343/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35946.0, "selling_price": 33362.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 343.28, "net_cap_cost": 31038.0, "residual_value": 22286.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 343.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3502.28}, "total_of_payments": 12348, "total_of_payments_unrounded": 12358.08}, "disclosure": "Estimated lease payment for stock #W4602, VIN 3VW1M7BU2TM037843. $343 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,502, made up of $343 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,946. Lease selling price $33,362. Net capitalized cost $31,038. Residual value $22,287, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,348. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm087559/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM5TM087559.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM5TM087559.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM5TM087559.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm087559/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,569. This offer applies to Stock #W4466, VIN 3VVGR7RM5TM087559. 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: $42,313. Advertised price: $38,744. Savings: $3,569, 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": "$42,313"}, {"label": "Advertised price", "value": "$38,744"}, {"label": "Savings", "value": "$3,569, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,569", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM5TM087559_finance_60", "type": "finance_60", "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": 38744.0, "price_incl_doc": 38744.0, "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": 786.12, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 47167.13, "finance_charge": 6001.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4466, VIN 3VVGR7RM5TM087559. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM5TM087559_finance_72", "type": "finance_72", "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": 38744.0, "price_incl_doc": 38744.0, "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": 682.04, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 49106.66, "finance_charge": 7941.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4466, VIN 3VVGR7RM5TM087559. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,107. 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_3VVGR7RM5TM087559_finance_84", "type": "finance_84", "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": 38744.0, "price_incl_doc": 38744.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.09, "amount_financed": 41165.5, "sales_tax": 2421.5, "total_of_payments": 51331.16, "finance_charge": 10165.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4466, VIN 3VVGR7RM5TM087559. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,744, before any dealer documentation fee. Amount financed $41,166, including $2,422 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,331. 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_3VVGR7RM5TM087559_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.77, "net_cap_cost": 39419.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.77}, "total_of_payments": 17784, "total_of_payments_unrounded": 17775.72}, "disclosure": "Estimated lease payment for stock #W4466, VIN 3VVGR7RM5TM087559. $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 $42,313. Lease selling price $38,744. Net capitalized cost $39,419. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM5TM087559_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": 42313.0, "selling_price": 38744.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.48, "net_cap_cost": 36420.0, "residual_value": 26234.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.48}, "total_of_payments": 14400, "total_of_payments_unrounded": 14417.28}, "disclosure": "Estimated lease payment for stock #W4466, VIN 3VVGR7RM5TM087559. $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 $42,313. Lease selling price $38,744. Net capitalized cost $36,420. Residual value $26,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 335}}, {"vin": "WVWLE7CD2TW260522", "title": "2026 Volkswagen Golf GTI S", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 36670.0, "msrp": 36670.0, "sale_price": 33948.0, "currency": "USD", "mileage": null, "exterior_color": "Mythos Black Metallic", "interior_color": "Titan Black/Scalepaper Plaid", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "VD262310", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/fbfc52f10b4e4f66897b648c5e29306e.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/fbfc52f10b4e4f66897b648c5e29306e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/93e0dcdfcb0c49c1bdd799542757a649.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/957e0ce10a6d47988c1ea7928acd4ac1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ec2a70241ac4d1fa638892baeb16df2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/373c602cf5ca49dea25fd368f8e2fe84.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c48751d9c2754786be0328a318edc1cc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d183c1790f949939229fa82e968f2a3.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Golf GTI", "year": 2026, "trim": "S", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36670.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd2tw260522/2026-volkswagen-golf-gti-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd2tw260522/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWLE7CD2TW260522.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD2TW260522.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD2TW260522.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd2tw260522/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262310, VIN WVWLE7CD2TW260522. Advertised price: $36,670. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it 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": "$36,670"}], "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36670.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD2TW260522_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 744, "unit": "per_month", "display": "$744/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36670.0, "price_incl_doc": 36670.0, "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": 744.04, "amount_financed": 38961.88, "sales_tax": 2291.88, "total_of_payments": 44642.24, "finance_charge": 5680.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262310, VIN WVWLE7CD2TW260522. $744 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,670, before any dealer documentation fee. Amount financed $38,962, including $2,292 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,642. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD2TW260522_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": 36670.0, "price_incl_doc": 36670.0, "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": 645.53, "amount_financed": 38961.88, "sales_tax": 2291.88, "total_of_payments": 46477.94, "finance_charge": 7516.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262310, VIN WVWLE7CD2TW260522. $646 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,670, before any dealer documentation fee. Amount financed $38,962, including $2,292 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,478. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD2TW260522_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": 36670.0, "price_incl_doc": 36670.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.37, "amount_financed": 38961.88, "sales_tax": 2291.88, "total_of_payments": 48583.36, "finance_charge": 9621.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262310, VIN WVWLE7CD2TW260522. $578 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,670, before any dealer documentation fee. Amount financed $38,962, including $2,292 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,583. 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_WVWLE7CD2TW260522_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": 36670.0, "selling_price": 36670.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.94, "net_cap_cost": 37345.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.94, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.94}, "total_of_payments": 18972, "total_of_payments_unrounded": 18969.84}, "disclosure": "Estimated lease payment for stock #VD262310, VIN WVWLE7CD2TW260522. $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 $36,670. Lease selling price $36,670. Net capitalized cost $37,345. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_WVWLE7CD2TW260522_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": 36670.0, "selling_price": 36670.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.65, "net_cap_cost": 34346.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.65, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.65}, "total_of_payments": 15624, "total_of_payments_unrounded": 15611.4}, "disclosure": "Estimated lease payment for stock #VD262310, VIN WVWLE7CD2TW260522. $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 $36,670. Lease selling price $36,670. Net capitalized cost $34,346. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 357}}, {"vin": "3VVGR7RM0TM126428", "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": "new", "price": 38549.0, "msrp": 42076.0, "sale_price": 38549.0, "currency": "USD", "mileage": 10, "exterior_color": "Opal White w/Deep Black Roof", "interior_color": "Grigio & 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": "W4689", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264415/0x0/d769042b90ba449ea5c77ee72e7bc1e8.jpg", "images": ["https://content.homenetiol.com/2003378/2264415/0x0/d769042b90ba449ea5c77ee72e7bc1e8.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/2229000192fa404697f9f36c0564334a.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/fc4eb4e243784adbb6f567ae7f7b1214.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/57486fc644004fb5a29228e3f07685d5.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/817724d3cd01449186d8bee12a85bca0.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/474ef3fab76d4c948a7dec3e45b95145.jpg", "https://content.homenetiol.com/2003378/2264415/0x0/b9ad393e46b741d59d16d0fa4826d90c.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "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": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm0tm126428/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm0tm126428/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM0TM126428.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM0TM126428.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM0TM126428.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm0tm126428/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,527. This offer applies to Stock #W4689, VIN 3VVGR7RM0TM126428. 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: $42,076. Advertised price: $38,549. Savings: $3,527, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,549"}, {"label": "Savings", "value": "$3,527, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,527", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38549.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM0TM126428_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38549.0, "price_incl_doc": 38549.0, "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": 782.16, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 46929.74, "finance_charge": 5971.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4689, VIN 3VVGR7RM0TM126428. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,930. 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_3VVGR7RM0TM126428_finance_72", "type": "finance_72", "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": 38549.0, "price_incl_doc": 38549.0, "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": 678.6, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 48859.5, "finance_charge": 7901.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4689, VIN 3VVGR7RM0TM126428. $679 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,860. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM0TM126428_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": 38549.0, "price_incl_doc": 38549.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.01, "amount_financed": 40958.31, "sales_tax": 2409.31, "total_of_payments": 51072.8, "finance_charge": 10114.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4689, VIN 3VVGR7RM0TM126428. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,549, before any dealer documentation fee. Amount financed $40,958, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,073. 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"}, {"offer_id": "of_3VVGR7RM0TM126428_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 39224.0, "residual_value": 26087.12, "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 #W4689, VIN 3VVGR7RM0TM126428. $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 $42,076. Lease selling price $38,549. Net capitalized cost $39,224. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM0TM126428_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": 42076.0, "selling_price": 38549.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 36225.0, "residual_value": 26087.12, "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 #W4689, VIN 3VVGR7RM0TM126428. $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 $42,076. Lease selling price $38,549. Net capitalized cost $36,225. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 384}}, {"vin": "1V2KN2CAXTC545067", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44956.0, "msrp": 49993.0, "sale_price": 44956.0, "currency": "USD", "mileage": 5, "exterior_color": "Silver Mist Metallic", "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "W4350", "stock_status": "Available", 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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 $5,037. This offer applies to Stock #W4350, VIN 1V2KN2CAXTC545067. 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: $49,993. Advertised price: $44,956. Savings: $5,037, 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": "$49,993"}, {"label": "Advertised price", "value": "$44,956"}, {"label": "Savings", "value": "$5,037, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,037", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_1V2KN2CAXTC545067_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 912, "unit": "per_month", "display": "$912/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 912.16, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 54729.65, "finance_charge": 6963.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4350, VIN 1V2KN2CAXTC545067. $912 per month for 60 months at 5.49% 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 $19.10 per $1,000 financed. Total of payments $54,730. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC545067_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 791, "unit": "per_month", "display": "$791/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an 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": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 791.39, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 56980.15, "finance_charge": 9214.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4350, VIN 1V2KN2CAXTC545067. $791 per month for 72 months at 5.99% 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 $16.57 per $1,000 financed. Total of payments $56,980. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC545067_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 #W4350, VIN 1V2KN2CAXTC545067. $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_1V2KN2CAXTC545067_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49993.0, "selling_price": 44956.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 554.07, "net_cap_cost": 45631.0, "residual_value": 30995.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 554.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 714.07}, "total_of_payments": 19944, "total_of_payments_unrounded": 19946.52}, "disclosure": "Estimated lease payment for stock #W4350, VIN 1V2KN2CAXTC545067. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $49,993. Lease selling price $44,956. Net capitalized cost $45,631. Residual value $30,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CAXTC545067_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49993.0, "selling_price": 44956.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.78, "net_cap_cost": 42632.0, "residual_value": 30995.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.78}, "total_of_payments": 16596, "total_of_payments_unrounded": 16588.08}, "disclosure": "Estimated lease payment for stock #W4350, VIN 1V2KN2CAXTC545067. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,993. Lease selling price $44,956. Net capitalized cost $42,632. Residual value $30,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 380}}, {"vin": "3VVER7RM9TM048514", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 33965.0, "msrp": 37290.0, "sale_price": 33965.0, "currency": "USD", "mileage": 10, "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, "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": "W4299", "stock_status": "Available", "availability": "In Stock", 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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm9tm048514/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,325. This offer applies to Stock #W4299, VIN 3VVER7RM9TM048514. 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: $37,290. Advertised price: $33,965. Savings: $3,325, 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": "$37,290"}, {"label": "Advertised price", "value": "$33,965"}, {"label": "Savings", "value": "$3,325, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,325", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33965.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM9TM048514_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": 33965.0, "price_incl_doc": 33965.0, "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": 689.15, "amount_financed": 36087.81, "sales_tax": 2122.81, "total_of_payments": 41349.15, "finance_charge": 5261.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4299, VIN 3VVER7RM9TM048514. $689 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,965, before any dealer documentation fee. Amount financed $36,088, including $2,123 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,349. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM9TM048514_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": 33965.0, "price_incl_doc": 33965.0, "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": 597.91, "amount_financed": 36087.81, "sales_tax": 2122.81, "total_of_payments": 43049.44, "finance_charge": 6961.63, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4299, VIN 3VVER7RM9TM048514. $598 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,965, before any dealer documentation fee. Amount financed $36,088, including $2,123 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,049. 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_3VVER7RM9TM048514_finance_84", "type": "finance_84", "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": 33965.0, "price_incl_doc": 33965.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.71, "amount_financed": 36087.81, "sales_tax": 2122.81, "total_of_payments": 44999.55, "finance_charge": 8911.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #W4299, VIN 3VVER7RM9TM048514. $536 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,965, before any dealer documentation fee. Amount financed $36,088, including $2,123 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,000. 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_3VVER7RM9TM048514_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": 37290.0, "selling_price": 33965.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 432.06, "net_cap_cost": 34640.0, "residual_value": 23119.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 432.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 592.06}, "total_of_payments": 15552, "total_of_payments_unrounded": 15554.16}, "disclosure": "Estimated lease payment for stock #W4299, VIN 3VVER7RM9TM048514. $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 $37,290. Lease selling price $33,965. Net capitalized cost $34,640. Residual value $23,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVER7RM9TM048514_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": 37290.0, "selling_price": 33965.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 338.77, "net_cap_cost": 31641.0, "residual_value": 23119.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 338.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3497.77}, "total_of_payments": 12204, "total_of_payments_unrounded": 12195.72}, "disclosure": "Estimated lease payment for stock #W4299, VIN 3VVER7RM9TM048514. $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 $37,290. Lease selling price $33,965. Net capitalized cost $31,641. Residual value $23,120, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 32, "elapsed_ms": 453}}, {"vin": "3VVUW7RM6TM122721", "title": "2026 Volkswagen Tiguan SEL R-Line Turbo", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line Turbo", "decoded_trim": "4Motion SEL R-Line", "condition": "new", "price": 46258.0, "msrp": 46258.0, "sale_price": 44688.0, "currency": "USD", "mileage": 14, "exterior_color": "Opal White Pearl", "interior_color": "Amber", "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": 29, "range_miles": null, "battery_kwh": null, "stock_number": "VD262331", "stock_status": "Available", 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SEL R-Line", "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": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46258.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm6tm122721/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm6tm122721/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVUW7RM6TM122721.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM6TM122721.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVUW7RM6TM122721.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvuw7rm6tm122721/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 #VD262331, VIN 3VVUW7RM6TM122721. Advertised price: $46,258. 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": "$46,258"}], "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46258.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUW7RM6TM122721_finance_60", "type": "finance_60", "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": 46258.0, "price_incl_doc": 46258.0, "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": 938.58, "amount_financed": 49149.13, "sales_tax": 2891.13, "total_of_payments": 56314.72, "finance_charge": 7165.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262331, VIN 3VVUW7RM6TM122721. $939 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,258, before any dealer documentation fee. Amount financed $49,149, including $2,891 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,315. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM6TM122721_finance_72", "type": "finance_72", "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": 46258.0, "price_incl_doc": 46258.0, "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": 814.31, "amount_financed": 49149.13, "sales_tax": 2891.13, "total_of_payments": 58630.39, "finance_charge": 9481.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262331, VIN 3VVUW7RM6TM122721. $814 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,258, before any dealer documentation fee. Amount financed $49,149, including $2,891 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,630. 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_3VVUW7RM6TM122721_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46258.0, "price_incl_doc": 46258.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 729.6, "amount_financed": 49149.13, "sales_tax": 2891.13, "total_of_payments": 61286.31, "finance_charge": 12137.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262331, VIN 3VVUW7RM6TM122721. $730 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,258, before any dealer documentation fee. Amount financed $49,149, including $2,891 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,286. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUW7RM6TM122721_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": 46258.0, "selling_price": 46258.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 659.23, "net_cap_cost": 46933.0, "residual_value": 28679.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 659.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 819.23}, "total_of_payments": 23724, "total_of_payments_unrounded": 23732.28}, "disclosure": "Estimated lease payment for stock #VD262331, VIN 3VVUW7RM6TM122721. $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 $46,258. Lease selling price $46,258. Net capitalized cost $46,933. Residual value $28,680, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVUW7RM6TM122721_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": 46258.0, "selling_price": 46258.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 565.93, "net_cap_cost": 43934.0, "residual_value": 28679.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3724.93}, "total_of_payments": 20376, "total_of_payments_unrounded": 20373.48}, "disclosure": "Estimated lease payment for stock #VD262331, VIN 3VVUW7RM6TM122721. $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 $46,258. Lease selling price $46,258. Net capitalized cost $43,934. Residual value $28,680, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu7tm064780/2026-volkswagen-jetta-gli-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW1M7BU7TM064780.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU7TM064780.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU7TM064780.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu7tm064780/2026-volkswagen-jetta-gli-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $3,001. This offer applies to Stock #VD262088, VIN 3VW1M7BU7TM064780. 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: $36,300. Advertised price: $33,299. Savings: $3,001, 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": "$36,300"}, {"label": "Advertised price", "value": "$33,299"}, {"label": "Savings", "value": "$3,001, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,001", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33299.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW1M7BU7TM064780_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": 33299.0, "price_incl_doc": 33299.0, "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": 675.64, "amount_financed": 35380.19, "sales_tax": 2081.19, "total_of_payments": 40538.37, "finance_charge": 5158.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262088, VIN 3VW1M7BU7TM064780. $676 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,299, before any dealer documentation fee. Amount financed $35,380, including $2,081 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,538. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW1M7BU7TM064780_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": 33299.0, "price_incl_doc": 33299.0, "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": 586.18, "amount_financed": 35380.19, "sales_tax": 2081.19, "total_of_payments": 42205.31, "finance_charge": 6825.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262088, VIN 3VW1M7BU7TM064780. $586 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,299, before any dealer documentation fee. Amount financed $35,380, including $2,081 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,205. 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_3VW1M7BU7TM064780_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": 33299.0, "price_incl_doc": 33299.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 525.2, "amount_financed": 35380.19, "sales_tax": 2081.19, "total_of_payments": 44117.19, "finance_charge": 8737.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262088, VIN 3VW1M7BU7TM064780. $525 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,299, before any dealer documentation fee. Amount financed $35,380, including $2,081 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,117. 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_3VW1M7BU7TM064780_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 36300.0, "selling_price": 33299.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 428.48, "net_cap_cost": 33974.0, "residual_value": 22506.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 428.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 588.48}, "total_of_payments": 15408, "total_of_payments_unrounded": 15425.28}, "disclosure": "Estimated lease payment for stock #VD262088, VIN 3VW1M7BU7TM064780. $428 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $588, made up of $428 first payment, $60 title, $100 registration. MSRP $36,300. Lease selling price $33,299. Net capitalized cost $33,974. Residual value $22,506, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW1M7BU7TM064780_lease", "type": "lease", "label": "Lease", "headline": {"value": 335, "unit": "per_month", "display": "$335/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36300.0, "selling_price": 33299.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 335.19, "net_cap_cost": 30975.0, "residual_value": 22506.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 335.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3494.19}, "total_of_payments": 12060, "total_of_payments_unrounded": 12066.84}, "disclosure": "Estimated lease payment for stock #VD262088, VIN 3VW1M7BU7TM064780. $335 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,494, made up of $335 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,300. Lease selling price $33,299. Net capitalized cost $30,975. Residual value $22,506, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,060. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 462}}, {"vin": "3VW1M7BU5TM070917", "title": "2026 Volkswagen Jetta GLI Autobahn", "year": 2026, "make": "Volkswagen", "model": "Jetta GLI", "trim": "Autobahn", "decoded_trim": "Autobahn", "condition": "new", "price": 33113.0, "msrp": 36085.0, "sale_price": 33113.0, "currency": "USD", "mileage": null, "exterior_color": "Pure White w/Deep Blk Rf", "interior_color": "Grigio/Titan 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 26, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "VD262158", "stock_status": "Available", 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"monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu5tm070917/2026-volkswagen-jetta-gli-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu5tm070917/2026-volkswagen-jetta-gli-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW1M7BU5TM070917.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU5TM070917.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW1M7BU5TM070917.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw1m7bu5tm070917/2026-volkswagen-jetta-gli-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,972. This offer applies to Stock #VD262158, VIN 3VW1M7BU5TM070917. 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: $36,085. Advertised price: $33,113. Savings: $2,972, 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": "$36,085"}, {"label": "Advertised price", "value": "$33,113"}, {"label": "Savings", "value": "$2,972, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,972", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33113.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW1M7BU5TM070917_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": 33113.0, "price_incl_doc": 33113.0, "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": 671.87, "amount_financed": 35182.56, "sales_tax": 2069.56, "total_of_payments": 40311.92, "finance_charge": 5129.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262158, VIN 3VW1M7BU5TM070917. $672 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,113, before any dealer documentation fee. Amount financed $35,183, including $2,070 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,312. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW1M7BU5TM070917_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": 33113.0, "price_incl_doc": 33113.0, "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": 582.91, "amount_financed": 35182.56, "sales_tax": 2069.56, "total_of_payments": 41969.56, "finance_charge": 6787.0, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262158, VIN 3VW1M7BU5TM070917. $583 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,113, before any dealer documentation fee. Amount financed $35,183, including $2,070 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,970. 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_3VW1M7BU5TM070917_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": 33113.0, "price_incl_doc": 33113.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 522.27, "amount_financed": 35182.56, "sales_tax": 2069.56, "total_of_payments": 43870.75, "finance_charge": 8688.19, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262158, VIN 3VW1M7BU5TM070917. $522 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,113, before any dealer documentation fee. Amount financed $35,183, including $2,070 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,871. 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_3VW1M7BU5TM070917_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 36085.0, "selling_price": 33113.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 426.42, "net_cap_cost": 33788.0, "residual_value": 22372.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 426.42, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 586.42}, "total_of_payments": 15336, "total_of_payments_unrounded": 15351.12}, "disclosure": "Estimated lease payment for stock #VD262158, VIN 3VW1M7BU5TM070917. $426 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $586, made up of $426 first payment, $60 title, $100 registration. MSRP $36,085. Lease selling price $33,113. Net capitalized cost $33,788. Residual value $22,373, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VW1M7BU5TM070917_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36085.0, "selling_price": 33113.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 333.12, "net_cap_cost": 30789.0, "residual_value": 22372.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 333.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3492.12}, "total_of_payments": 11988, "total_of_payments_unrounded": 11992.32}, "disclosure": "Estimated lease payment for stock #VD262158, VIN 3VW1M7BU5TM070917. $333 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,492, made up of $333 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,085. Lease selling price $33,113. Net capitalized cost $30,789. Residual value $22,373, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,988. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 469}}, {"vin": "1V2FC2CA3TC210210", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 51347.0, "msrp": 56431.0, "sale_price": 51347.0, "currency": "USD", "mileage": 6, "exterior_color": "Silver Mist Metallic", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": 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4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 56431.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc210210/2026-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc210210/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FC2CA3TC210210.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA3TC210210.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA3TC210210.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc210210/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,084. This offer applies to Stock #VD261734, VIN 1V2FC2CA3TC210210. 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: $56,431. Advertised price: $51,347. Savings: $5,084, 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": "$56,431"}, {"label": "Advertised price", "value": "$51,347"}, {"label": "Savings", "value": "$5,084, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,084", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51347.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FC2CA3TC210210_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1042, "unit": "per_month", "display": "$1,042/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51347.0, "price_incl_doc": 51347.0, "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": 1041.83, "amount_financed": 54556.19, "sales_tax": 3209.19, "total_of_payments": 62510.09, "finance_charge": 7953.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261734, VIN 1V2FC2CA3TC210210. $1,042 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,347, before any dealer documentation fee. Amount financed $54,556, including $3,209 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,510. 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_1V2FC2CA3TC210210_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 904, "unit": "per_month", "display": "$904/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51347.0, "price_incl_doc": 51347.0, "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": 903.9, "amount_financed": 54556.19, "sales_tax": 3209.19, "total_of_payments": 65080.52, "finance_charge": 10524.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261734, VIN 1V2FC2CA3TC210210. $904 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,347, before any dealer documentation fee. Amount financed $54,556, including $3,209 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,081. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FC2CA3TC210210_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 810, "unit": "per_month", "display": "$810/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51347.0, "price_incl_doc": 51347.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 809.86, "amount_financed": 54556.19, "sales_tax": 3209.19, "total_of_payments": 68028.62, "finance_charge": 13472.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261734, VIN 1V2FC2CA3TC210210. $810 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,347, before any dealer documentation fee. Amount financed $54,556, including $3,209 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,029. 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_1V2FC2CA3TC210210_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56431.0, "selling_price": 51347.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 641.43, "net_cap_cost": 52022.0, "residual_value": 34987.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 641.43, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 801.43}, "total_of_payments": 23076, "total_of_payments_unrounded": 23091.48}, "disclosure": "Estimated lease payment for stock #VD261734, VIN 1V2FC2CA3TC210210. $641 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $801, made up of $641 first payment, $60 title, $100 registration. MSRP $56,431. Lease selling price $51,347. Net capitalized cost $52,022. Residual value $34,987, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $23,076. 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_1V2FC2CA3TC210210_lease", "type": "lease", "label": "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": 56431.0, "selling_price": 51347.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 548.14, "net_cap_cost": 49023.0, "residual_value": 34987.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 548.14, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3707.14}, "total_of_payments": 19728, "total_of_payments_unrounded": 19733.04}, "disclosure": "Estimated lease payment for stock #VD261734, VIN 1V2FC2CA3TC210210. $548 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,707, made up of $548 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $56,431. Lease selling price $51,347. Net capitalized cost $49,023. Residual value $34,987, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 485}}, {"vin": "1V2CN2CA6TC580516", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 44577.0, "msrp": 50566.0, "sale_price": 44577.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Titan Black with Orange Stitching", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262278", 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source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc580516/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA6TC580516.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC580516.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC580516.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc580516/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,989. This offer applies to Stock #VD262278, VIN 1V2CN2CA6TC580516. 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: $50,566. Advertised price: $44,577. Savings: $5,989, 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": "$50,566"}, {"label": "Advertised price", "value": "$44,577"}, {"label": "Savings", "value": "$5,989, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,989", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44577.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA6TC580516_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 904, "unit": "per_month", "display": "$904/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44577.0, "price_incl_doc": 44577.0, "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": 904.47, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 54268.25, "finance_charge": 6905.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262278, VIN 1V2CN2CA6TC580516. $904 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,268. 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_1V2CN2CA6TC580516_finance_72", "type": "finance_72", "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": 44577.0, "price_incl_doc": 44577.0, "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": 784.72, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 56499.78, "finance_charge": 9136.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262278, VIN 1V2CN2CA6TC580516. $785 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC580516_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": 44577.0, "price_incl_doc": 44577.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.09, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 59059.18, "finance_charge": 11696.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262278, VIN 1V2CN2CA6TC580516. $703 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,059. 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_1V2CN2CA6TC580516_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.36, "net_cap_cost": 45252.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.36}, "total_of_payments": 19152, "total_of_payments_unrounded": 19164.96}, "disclosure": "Estimated lease payment for stock #VD262278, VIN 1V2CN2CA6TC580516. $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 $50,566. Lease selling price $44,577. Net capitalized cost $45,252. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA6TC580516_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.07, "net_cap_cost": 42253.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.07}, "total_of_payments": 15804, "total_of_payments_unrounded": 15806.52}, "disclosure": "Estimated lease payment for stock #VD262278, VIN 1V2CN2CA6TC580516. $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 $50,566. Lease selling price $44,577. Net capitalized cost $42,253. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm016991/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD261739, VIN 3VVMR7RMXTM016991. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RMXTM016991_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261739, VIN 3VVMR7RMXTM016991. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RMXTM016991_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261739, VIN 3VVMR7RMXTM016991. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RMXTM016991_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261739, VIN 3VVMR7RMXTM016991. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM016991_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD261739, VIN 3VVMR7RMXTM016991. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RMXTM016991_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD261739, VIN 3VVMR7RMXTM016991. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b20tm062716/2026-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVVC7B20TM062716.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B20TM062716.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVVC7B20TM062716.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvvc7b20tm062716/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,710. This offer applies to Stock #VD262211X, VIN 3VVVC7B20TM062716. 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: $34,236. Advertised price: $31,526. Savings: $2,710, 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": "$34,236"}, {"label": "Advertised price", "value": "$31,526"}, {"label": "Savings", "value": "$2,710, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,710", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31526.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVVC7B20TM062716_finance_60", "type": "finance_60", "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": 31526.0, "price_incl_doc": 31526.0, "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": 639.67, "amount_financed": 33496.38, "sales_tax": 1970.38, "total_of_payments": 38379.91, "finance_charge": 4883.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262211X, VIN 3VVVC7B20TM062716. $640 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,526, before any dealer documentation fee. Amount financed $33,496, including $1,970 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,380. 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_3VVVC7B20TM062716_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": 31526.0, "price_incl_doc": 31526.0, "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": 554.97, "amount_financed": 33496.38, "sales_tax": 1970.38, "total_of_payments": 39958.1, "finance_charge": 6461.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262211X, VIN 3VVVC7B20TM062716. $555 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,526, before any dealer documentation fee. Amount financed $33,496, including $1,970 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,958. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B20TM062716_finance_84", "type": "finance_84", "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": 31526.0, "price_incl_doc": 31526.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 497.24, "amount_financed": 33496.38, "sales_tax": 1970.38, "total_of_payments": 41768.18, "finance_charge": 8271.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262211X, VIN 3VVVC7B20TM062716. $497 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,526, before any dealer documentation fee. Amount financed $33,496, including $1,970 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,768. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVVC7B20TM062716_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 34236.0, "selling_price": 31526.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 409.06, "net_cap_cost": 32201.0, "residual_value": 21226.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 409.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 569.06}, "total_of_payments": 14724, "total_of_payments_unrounded": 14726.16}, "disclosure": "Estimated lease payment for stock #VD262211X, VIN 3VVVC7B20TM062716. $409 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $569, made up of $409 first payment, $60 title, $100 registration. MSRP $34,236. Lease selling price $31,526. Net capitalized cost $32,201. Residual value $21,226, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $14,724. 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_3VVVC7B20TM062716_lease", "type": "lease", "label": "Lease", "headline": {"value": 316, "unit": "per_month", "display": "$316/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34236.0, "selling_price": 31526.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 315.76, "net_cap_cost": 29202.0, "residual_value": 21226.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 315.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3474.76}, "total_of_payments": 11376, "total_of_payments_unrounded": 11367.36}, "disclosure": "Estimated lease payment for stock #VD262211X, VIN 3VVVC7B20TM062716. $316 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,475, made up of $316 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,236. Lease selling price $31,526. Net capitalized cost $29,202. Residual value $21,226, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,376. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 498}}, {"vin": "1V2KC2CA3TC205703", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 43272.0, "msrp": 48151.0, "sale_price": 43272.0, "currency": "USD", "mileage": 7, "exterior_color": "Mountain Lake Blue Metallic", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261695", 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"https://ai.castlevwdownersgrove.com/v/1V2KC2CA3TC205703.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kc2ca3tc205703/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,879. This offer applies to Stock #VD261695, VIN 1V2KC2CA3TC205703. 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: $48,151. Advertised price: $43,272. Savings: $4,879, 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": "$48,151"}, {"label": "Advertised price", "value": "$43,272"}, {"label": "Savings", "value": "$4,879, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,879", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43272.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA3TC205703_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": 43272.0, "price_incl_doc": 43272.0, "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": 877.99, "amount_financed": 45976.5, "sales_tax": 2704.5, "total_of_payments": 52679.54, "finance_charge": 6703.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261695, VIN 1V2KC2CA3TC205703. $878 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,272, before any dealer documentation fee. Amount financed $45,976, including $2,704 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,680. 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_1V2KC2CA3TC205703_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": 43272.0, "price_incl_doc": 43272.0, "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": 761.75, "amount_financed": 45976.5, "sales_tax": 2704.5, "total_of_payments": 54845.74, "finance_charge": 8869.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261695, VIN 1V2KC2CA3TC205703. $762 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,272, before any dealer documentation fee. Amount financed $45,976, including $2,704 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,846. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA3TC205703_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": 43272.0, "price_incl_doc": 43272.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.5, "amount_financed": 45976.5, "sales_tax": 2704.5, "total_of_payments": 57330.21, "finance_charge": 11353.71, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261695, VIN 1V2KC2CA3TC205703. $682 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,272, before any dealer documentation fee. Amount financed $45,976, including $2,704 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,330. 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_1V2KC2CA3TC205703_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": 48151.0, "selling_price": 43272.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 533.57, "net_cap_cost": 43947.0, "residual_value": 29853.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 533.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 693.57}, "total_of_payments": 19224, "total_of_payments_unrounded": 19208.52}, "disclosure": "Estimated lease payment for stock #VD261695, VIN 1V2KC2CA3TC205703. $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 $48,151. Lease selling price $43,272. Net capitalized cost $43,947. Residual value $29,854, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2KC2CA3TC205703_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": 48151.0, "selling_price": 43272.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 440.28, "net_cap_cost": 40948.0, "residual_value": 29853.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 440.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3599.28}, "total_of_payments": 15840, "total_of_payments_unrounded": 15850.08}, "disclosure": "Estimated lease payment for stock #VD261695, VIN 1V2KC2CA3TC205703. $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 $48,151. Lease selling price $43,272. Net capitalized cost $40,948. Residual value $29,854, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 498}}, {"vin": "3VVER7RM3TM083968", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 33506.0, "msrp": 37181.0, "sale_price": 33506.0, "currency": "USD", "mileage": 6, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio and 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": "VD262193", "stock_status": "Available", "availability": "In Stock", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm3tm083968/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVER7RM3TM083968.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM3TM083968.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVER7RM3TM083968.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vver7rm3tm083968/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,675. This offer applies to Stock #VD262193, VIN 3VVER7RM3TM083968. 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: $37,181. Advertised price: $33,506. Savings: $3,675, 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": "$37,181"}, {"label": "Advertised price", "value": "$33,506"}, {"label": "Savings", "value": "$3,675, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,675", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33506.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVER7RM3TM083968_finance_60", "type": "finance_60", "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": 33506.0, "price_incl_doc": 33506.0, "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": 679.84, "amount_financed": 35600.13, "sales_tax": 2094.13, "total_of_payments": 40790.37, "finance_charge": 5190.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262193, VIN 3VVER7RM3TM083968. $680 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,506, before any dealer documentation fee. Amount financed $35,600, including $2,094 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,790. 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_3VVER7RM3TM083968_finance_72", "type": "finance_72", "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": 33506.0, "price_incl_doc": 33506.0, "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": 589.83, "amount_financed": 35600.13, "sales_tax": 2094.13, "total_of_payments": 42467.68, "finance_charge": 6867.55, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262193, VIN 3VVER7RM3TM083968. $590 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,506, before any dealer documentation fee. Amount financed $35,600, including $2,094 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,468. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM3TM083968_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": 33506.0, "price_incl_doc": 33506.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.47, "amount_financed": 35600.13, "sales_tax": 2094.13, "total_of_payments": 44391.44, "finance_charge": 8791.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262193, VIN 3VVER7RM3TM083968. $528 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,506, before any dealer documentation fee. Amount financed $35,600, including $2,094 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,391. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVER7RM3TM083968_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 37181.0, "selling_price": 33506.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "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": 34181.0, "residual_value": 23052.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 419.67, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 579.67}, "total_of_payments": 15120, "total_of_payments_unrounded": 15108.12}, "disclosure": "Estimated lease payment for stock #VD262193, VIN 3VVER7RM3TM083968. $420 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $580, made up of $420 first payment, $60 title, $100 registration. MSRP $37,181. Lease selling price $33,506. Net capitalized cost $34,181. Residual value $23,052, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVER7RM3TM083968_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": 37181.0, "selling_price": 33506.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 326.38, "net_cap_cost": 31182.0, "residual_value": 23052.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 326.38, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3485.38}, "total_of_payments": 11736, "total_of_payments_unrounded": 11749.68}, "disclosure": "Estimated lease payment for stock #VD262193, VIN 3VVER7RM3TM083968. $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 $37,181. Lease selling price $33,506. Net capitalized cost $31,182. Residual value $23,052, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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 $3,843. This offer applies to Stock #VD262105, VIN 3VVMR7RM2TM073069. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM2TM073069_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262105, VIN 3VVMR7RM2TM073069. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM073069_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262105, VIN 3VVMR7RM2TM073069. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM2TM073069_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262105, VIN 3VVMR7RM2TM073069. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM073069_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262105, VIN 3VVMR7RM2TM073069. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM2TM073069_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262105, VIN 3VVMR7RM2TM073069. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 456}}, {"vin": "3VVMR7RM7TM091986", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34975.0, "msrp": 38836.0, "sale_price": 34975.0, "currency": "USD", "mileage": 7, "exterior_color": "Monterey Blue Pearl", "interior_color": "Grigio & 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": "VD262183", "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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm7tm091986/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM7TM091986.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM7TM091986.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM7TM091986.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm7tm091986/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,861. This offer applies to Stock #VD262183, VIN 3VVMR7RM7TM091986. 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: $38,836. Advertised price: $34,975. Savings: $3,861, 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": "$38,836"}, {"label": "Advertised price", "value": "$34,975"}, {"label": "Savings", "value": "$3,861, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,861", "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": "2026-07-26T16:50:44Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_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_3VVMR7RM7TM091986_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 #VD262183, VIN 3VVMR7RM7TM091986. $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_3VVMR7RM7TM091986_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 #VD262183, VIN 3VVMR7RM7TM091986. $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_3VVMR7RM7TM091986_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 #VD262183, VIN 3VVMR7RM7TM091986. $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_3VVMR7RM7TM091986_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": 38836.0, "selling_price": 34975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.72, "net_cap_cost": 35650.0, "residual_value": 24078.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 596.72}, "total_of_payments": 15732, "total_of_payments_unrounded": 15721.92}, "disclosure": "Estimated lease payment for stock #VD262183, VIN 3VVMR7RM7TM091986. $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 $38,836. Lease selling price $34,975. Net capitalized cost $35,650. Residual value $24,078, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVMR7RM7TM091986_lease", "type": "lease", "label": "Lease", "headline": {"value": 343, "unit": "per_month", "display": "$343/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38836.0, "selling_price": 34975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 343.43, "net_cap_cost": 32651.0, "residual_value": 24078.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 343.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3502.43}, "total_of_payments": 12348, "total_of_payments_unrounded": 12363.48}, "disclosure": "Estimated lease payment for stock #VD262183, VIN 3VVMR7RM7TM091986. $343 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,502, made up of $343 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,836. Lease selling price $34,975. Net capitalized cost $32,651. Residual value $24,078, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,348. 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"}], "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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"doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 58286.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc507210/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc507210/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA6TC507210.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC507210.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA6TC507210.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca6tc507210/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $6,706. This offer applies to Stock #VD261738X, VIN 1V2FN2CA6TC507210. 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: $58,286. Advertised price: $51,580. Savings: $6,706, 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": "$58,286"}, {"label": "Advertised price", "value": "$51,580"}, {"label": "Savings", "value": "$6,706, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,706", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51580.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA6TC507210_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1047, "unit": "per_month", "display": "$1,047/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51580.0, "price_incl_doc": 51580.0, "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": 1046.56, "amount_financed": 54803.75, "sales_tax": 3223.75, "total_of_payments": 62793.74, "finance_charge": 7989.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261738X, VIN 1V2FN2CA6TC507210. $1,047 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,580, before any dealer documentation fee. Amount financed $54,804, including $3,224 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,794. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC507210_finance_72", "type": "finance_72", "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": 51580.0, "price_incl_doc": 51580.0, "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": 908.0, "amount_financed": 54803.75, "sales_tax": 3223.75, "total_of_payments": 65375.84, "finance_charge": 10572.09, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261738X, VIN 1V2FN2CA6TC507210. $908 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,580, before any dealer documentation fee. Amount financed $54,804, including $3,224 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,376. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC507210_finance_84", "type": "finance_84", "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": 51580.0, "price_incl_doc": 51580.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 813.54, "amount_financed": 54803.75, "sales_tax": 3223.75, "total_of_payments": 68337.32, "finance_charge": 13533.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261738X, VIN 1V2FN2CA6TC507210. $814 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,580, before any dealer documentation fee. Amount financed $54,804, including $3,224 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,337. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA6TC507210_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": 58286.0, "selling_price": 51580.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 616.57, "net_cap_cost": 52255.0, "residual_value": 36137.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 616.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 776.57}, "total_of_payments": 22212, "total_of_payments_unrounded": 22196.52}, "disclosure": "Estimated lease payment for stock #VD261738X, VIN 1V2FN2CA6TC507210. $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 $58,286. Lease selling price $51,580. Net capitalized cost $52,255. Residual value $36,137, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA6TC507210_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": 58286.0, "selling_price": 51580.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 523.28, "net_cap_cost": 49256.0, "residual_value": 36137.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 523.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3682.28}, "total_of_payments": 18828, "total_of_payments_unrounded": 18838.08}, "disclosure": "Estimated lease payment for stock #VD261738X, VIN 1V2FN2CA6TC507210. $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 $58,286. Lease selling price $51,580. Net capitalized cost $49,256. Residual value $36,137, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca0tc533865/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,308. This offer applies to Stock #VD261916, VIN 1V2BN2CA0TC533865. 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: $52,581. Advertised price: $47,273. Savings: $5,308, 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": "$52,581"}, {"label": "Advertised price", "value": "$47,273"}, {"label": "Savings", "value": "$5,308, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,308", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47273.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA0TC533865_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 959, "unit": "per_month", "display": "$959/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47273.0, "price_incl_doc": 47273.0, "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": 959.17, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 57550.38, "finance_charge": 7322.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261916, VIN 1V2BN2CA0TC533865. $959 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,550. 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_1V2BN2CA0TC533865_finance_72", "type": "finance_72", "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": 47273.0, "price_incl_doc": 47273.0, "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": 832.18, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 59916.86, "finance_charge": 9689.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261916, VIN 1V2BN2CA0TC533865. $832 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA0TC533865_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47273.0, "price_incl_doc": 47273.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.61, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 62631.06, "finance_charge": 12403.5, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261916, VIN 1V2BN2CA0TC533865. $746 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,631. 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_1V2BN2CA0TC533865_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": 52581.0, "selling_price": 47273.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 581.35, "net_cap_cost": 47948.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 581.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 741.35}, "total_of_payments": 20916, "total_of_payments_unrounded": 20928.6}, "disclosure": "Estimated lease payment for stock #VD261916, VIN 1V2BN2CA0TC533865. $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 $52,581. Lease selling price $47,273. Net capitalized cost $47,948. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA0TC533865_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": 52581.0, "selling_price": 47273.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.05, "net_cap_cost": 44949.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3647.05}, "total_of_payments": 17568, "total_of_payments_unrounded": 17569.8}, "disclosure": "Estimated lease payment for stock #VD261916, VIN 1V2BN2CA0TC533865. $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 $52,581. Lease selling price $47,273. Net capitalized cost $44,949. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 481}}, {"vin": "3VVGR7RM2TM058617", "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": "new", "price": 38171.0, "msrp": 42076.0, "sale_price": 38171.0, "currency": "USD", "mileage": 24, "exterior_color": "White", "interior_color": "Grigio", "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": "VD262205X", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2003378/2264630/0x0/bb56a84253a14f889b71c9554b1829ec.jpg", "images": ["https://content.homenetiol.com/2003378/2264630/0x0/bb56a84253a14f889b71c9554b1829ec.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/83df376eb61c49d99388941c29d75651.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/b76dee96f2774ef5973c967ffde59ac9.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/6d5567753892417fbe6c9531547c4b74.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/0e60da727a8a4007a1d877afe8e52327.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/772650dbcb0d4d3a9fc64769ff69c425.jpg", "https://content.homenetiol.com/2003378/2264630/0x0/ec17e43581f140f982e65e916102cc6e.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2026, "trim": "4Motion SE R-Line Black", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42076.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm058617/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm058617/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM2TM058617.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM2TM058617.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM2TM058617.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm2tm058617/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,905. This offer applies to Stock #VD262205X, VIN 3VVGR7RM2TM058617. 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: $42,076. Advertised price: $38,171. Savings: $3,905, 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": "$42,076"}, {"label": "Advertised price", "value": "$38,171"}, {"label": "Savings", "value": "$3,905, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,905", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38171.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM2TM058617_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38171.0, "price_incl_doc": 38171.0, "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": 774.49, "amount_financed": 40556.69, "sales_tax": 2385.69, "total_of_payments": 46469.56, "finance_charge": 5912.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262205X, VIN 3VVGR7RM2TM058617. $774 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,171, before any dealer documentation fee. Amount financed $40,557, including $2,386 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,470. 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_3VVGR7RM2TM058617_finance_72", "type": "finance_72", "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": 38171.0, "price_incl_doc": 38171.0, "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": 671.95, "amount_financed": 40556.69, "sales_tax": 2385.69, "total_of_payments": 48380.4, "finance_charge": 7823.71, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262205X, VIN 3VVGR7RM2TM058617. $672 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,171, before any dealer documentation fee. Amount financed $40,557, including $2,386 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,380. 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_3VVGR7RM2TM058617_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": 38171.0, "price_incl_doc": 38171.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 602.05, "amount_financed": 40556.69, "sales_tax": 2385.69, "total_of_payments": 50572.0, "finance_charge": 10015.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262205X, VIN 3VVGR7RM2TM058617. $602 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,171, before any dealer documentation fee. Amount financed $40,557, including $2,386 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,572. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM2TM058617_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 42076.0, "selling_price": 38171.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 480.05, "net_cap_cost": 38846.0, "residual_value": 26087.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 480.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 640.05}, "total_of_payments": 17280, "total_of_payments_unrounded": 17281.8}, "disclosure": "Estimated lease payment for stock #VD262205X, VIN 3VVGR7RM2TM058617. $480 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $640, made up of $480 first payment, $60 title, $100 registration. MSRP $42,076. Lease selling price $38,171. Net capitalized cost $38,846. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVGR7RM2TM058617_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": 42076.0, "selling_price": 38171.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 386.76, "net_cap_cost": 35847.0, "residual_value": 26087.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 386.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3545.76}, "total_of_payments": 13932, "total_of_payments_unrounded": 13923.36}, "disclosure": "Estimated lease payment for stock #VD262205X, VIN 3VVGR7RM2TM058617. $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 $42,076. Lease selling price $38,171. Net capitalized cost $35,847. Residual value $26,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 466}}, {"vin": "1V2KN2CA1TC536533", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44959.0, "msrp": 50386.0, "sale_price": 44959.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure Gray", "interior_color": "Shetland 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 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261912", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca1tc536533/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,427. This offer applies to Stock #VD261912, VIN 1V2KN2CA1TC536533. 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: $50,386. Advertised price: $44,959. Savings: $5,427, 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": "$50,386"}, {"label": "Advertised price", "value": "$44,959"}, {"label": "Savings", "value": "$5,427, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,427", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44959.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA1TC536533_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 912, "unit": "per_month", "display": "$912/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44959.0, "price_incl_doc": 44959.0, "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": 912.22, "amount_financed": 47768.94, "sales_tax": 2809.94, "total_of_payments": 54733.31, "finance_charge": 6964.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261912, VIN 1V2KN2CA1TC536533. $912 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,959, before any dealer documentation fee. Amount financed $47,769, including $2,810 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,733. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC536533_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 791, "unit": "per_month", "display": "$791/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44959.0, "price_incl_doc": 44959.0, "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": 791.44, "amount_financed": 47768.94, "sales_tax": 2809.94, "total_of_payments": 56983.95, "finance_charge": 9215.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261912, VIN 1V2KN2CA1TC536533. $791 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,959, before any dealer documentation fee. Amount financed $47,769, including $2,810 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,984. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC536533_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": 44959.0, "price_incl_doc": 44959.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.11, "amount_financed": 47768.94, "sales_tax": 2809.94, "total_of_payments": 59565.29, "finance_charge": 11796.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261912, VIN 1V2KN2CA1TC536533. $709 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,959, before any dealer documentation fee. Amount financed $47,769, including $2,810 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,565. 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_1V2KN2CA1TC536533_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 50386.0, "selling_price": 44959.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 547.36, "net_cap_cost": 45634.0, "residual_value": 31239.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 547.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 707.36}, "total_of_payments": 19692, "total_of_payments_unrounded": 19704.96}, "disclosure": "Estimated lease payment for stock #VD261912, VIN 1V2KN2CA1TC536533. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $50,386. Lease selling price $44,959. Net capitalized cost $45,634. Residual value $31,239, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2KN2CA1TC536533_lease", "type": "lease", "label": "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": 50386.0, "selling_price": 44959.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.07, "net_cap_cost": 42635.0, "residual_value": 31239.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3613.07}, "total_of_payments": 16344, "total_of_payments_unrounded": 16346.52}, "disclosure": "Estimated lease payment for stock #VD261912, VIN 1V2KN2CA1TC536533. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,386. 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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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"vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vv4c7b21tm073042/2026-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $2,835. This offer applies to Stock #VD262090, VIN 3VV4C7B21TM073042. 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: $38,776. Advertised price: $35,941. Savings: $2,835, 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": "$38,776"}, {"label": "Advertised price", "value": "$35,941"}, {"label": "Savings", "value": "$2,835, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,835", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35941.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B21TM073042_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": 35941.0, "price_incl_doc": 35941.0, "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": 729.25, "amount_financed": 38187.31, "sales_tax": 2246.31, "total_of_payments": 43754.75, "finance_charge": 5567.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262090, VIN 3VV4C7B21TM073042. $729 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,941, before any dealer documentation fee. Amount financed $38,187, including $2,246 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,755. 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_3VV4C7B21TM073042_finance_72", "type": "finance_72", "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": 35941.0, "price_incl_doc": 35941.0, "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": 632.69, "amount_financed": 38187.31, "sales_tax": 2246.31, "total_of_payments": 45553.95, "finance_charge": 7366.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262090, VIN 3VV4C7B21TM073042. $633 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,941, before any dealer documentation fee. Amount financed $38,187, including $2,246 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,554. 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_3VV4C7B21TM073042_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": 35941.0, "price_incl_doc": 35941.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.88, "amount_financed": 38187.31, "sales_tax": 2246.31, "total_of_payments": 47617.51, "finance_charge": 9430.2, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262090, VIN 3VV4C7B21TM073042. $567 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,941, before any dealer documentation fee. Amount financed $38,187, including $2,246 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,618. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B21TM073042_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": 38776.0, "selling_price": 35941.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 467.81, "net_cap_cost": 36616.0, "residual_value": 24041.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 467.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 627.81}, "total_of_payments": 16848, "total_of_payments_unrounded": 16841.16}, "disclosure": "Estimated lease payment for stock #VD262090, VIN 3VV4C7B21TM073042. $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 $38,776. Lease selling price $35,941. Net capitalized cost $36,616. Residual value $24,041, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV4C7B21TM073042_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": 38776.0, "selling_price": 35941.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 374.51, "net_cap_cost": 33617.0, "residual_value": 24041.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 374.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3533.51}, "total_of_payments": 13500, "total_of_payments_unrounded": 13482.36}, "disclosure": "Estimated lease payment for stock #VD262090, VIN 3VV4C7B21TM073042. $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 $38,776. Lease selling price $35,941. Net capitalized cost $33,617. Residual value $24,041, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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 $5,409. This offer applies to Stock #VD261900, VIN 1V2KN2CA9TC533931. 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: $49,931. Advertised price: $44,522. Savings: $5,409, 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": "$49,931"}, {"label": "Advertised price", "value": "$44,522"}, {"label": "Savings", "value": "$5,409, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,409", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44522.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA9TC533931_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44522.0, "price_incl_doc": 44522.0, "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": 903.36, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 54201.3, "finance_charge": 6896.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261900, VIN 1V2KN2CA9TC533931. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,201. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC533931_finance_72", "type": "finance_72", "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": 44522.0, "price_incl_doc": 44522.0, "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": 783.75, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 56430.08, "finance_charge": 9125.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261900, VIN 1V2KN2CA9TC533931. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,430. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC533931_finance_84", "type": "finance_84", "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": 44522.0, "price_incl_doc": 44522.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.22, "amount_financed": 47304.63, "sales_tax": 2782.63, "total_of_payments": 58986.32, "finance_charge": 11681.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261900, VIN 1V2KN2CA9TC533931. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,522, before any dealer documentation fee. Amount financed $47,305, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,986. 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_1V2KN2CA9TC533931_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.64, "net_cap_cost": 45197.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.64}, "total_of_payments": 19512, "total_of_payments_unrounded": 19499.04}, "disclosure": "Estimated lease payment for stock #VD261900, VIN 1V2KN2CA9TC533931. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $45,197. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA9TC533931_lease", "type": "lease", "label": "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": 49931.0, "selling_price": 44522.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.35, "net_cap_cost": 42198.0, "residual_value": 30957.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.35}, "total_of_payments": 16128, "total_of_payments_unrounded": 16140.6}, "disclosure": "Estimated lease payment for stock #VD261900, VIN 1V2KN2CA9TC533931. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,931. Lease selling price $44,522. Net capitalized cost $42,198. Residual value $30,957, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. 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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 $5,971. This offer applies to Stock #VD261724, VIN 1V2CN2CA0TC530999. 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: $50,846. Advertised price: $44,875. Savings: $5,971, 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": "$50,846"}, {"label": "Advertised price", "value": "$44,875"}, {"label": "Savings", "value": "$5,971, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,971", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44875.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA0TC530999_finance_60", "type": "finance_60", "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": 44875.0, "price_incl_doc": 44875.0, "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": 910.52, "amount_financed": 47679.69, "sales_tax": 2804.69, "total_of_payments": 54631.05, "finance_charge": 6951.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261724, VIN 1V2CN2CA0TC530999. $911 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,875, before any dealer documentation fee. Amount financed $47,680, including $2,805 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,631. 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_1V2CN2CA0TC530999_finance_72", "type": "finance_72", "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": 44875.0, "price_incl_doc": 44875.0, "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": 789.97, "amount_financed": 47679.69, "sales_tax": 2804.69, "total_of_payments": 56877.49, "finance_charge": 9197.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261724, VIN 1V2CN2CA0TC530999. $790 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,875, before any dealer documentation fee. Amount financed $47,680, including $2,805 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,877. 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_1V2CN2CA0TC530999_finance_84", "type": "finance_84", "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": 44875.0, "price_incl_doc": 44875.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.79, "amount_financed": 47679.69, "sales_tax": 2804.69, "total_of_payments": 59454.0, "finance_charge": 11774.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261724, VIN 1V2CN2CA0TC530999. $708 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,875, before any dealer documentation fee. Amount financed $47,680, including $2,805 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,454. 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_1V2CN2CA0TC530999_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": 50846.0, "selling_price": 44875.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 536.78, "net_cap_cost": 45550.0, "residual_value": 31524.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 536.78, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 696.78}, "total_of_payments": 19332, "total_of_payments_unrounded": 19324.08}, "disclosure": "Estimated lease payment for stock #VD261724, VIN 1V2CN2CA0TC530999. $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 $50,846. Lease selling price $44,875. Net capitalized cost $45,550. Residual value $31,525, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA0TC530999_lease", "type": "lease", "label": "Lease", "headline": {"value": 443, "unit": "per_month", "display": "$443/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50846.0, "selling_price": 44875.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 443.49, "net_cap_cost": 42551.0, "residual_value": 31524.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 443.49, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3602.49}, "total_of_payments": 15948, "total_of_payments_unrounded": 15965.64}, "disclosure": "Estimated lease payment for stock #VD261724, VIN 1V2CN2CA0TC530999. $443 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,602, made up of $443 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,846. Lease selling price $44,875. Net capitalized cost $42,551. Residual value $31,525, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,948. 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"}], "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 $5,344. This offer applies to Stock #NRVD262029, VIN 1V2KN2CA1TC545300. 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: $49,791. Advertised price: $44,447. Savings: $5,344, 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": "$49,791"}, {"label": "Advertised price", "value": "$44,447"}, {"label": "Savings", "value": "$5,344, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,344", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44447.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA1TC545300_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": 44447.0, "price_incl_doc": 44447.0, "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": 901.83, "amount_financed": 47224.94, "sales_tax": 2777.94, "total_of_payments": 54110.0, "finance_charge": 6885.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262029, VIN 1V2KN2CA1TC545300. $902 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,447, before any dealer documentation fee. Amount financed $47,225, including $2,778 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,110. 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_1V2KN2CA1TC545300_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44447.0, "price_incl_doc": 44447.0, "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": 782.43, "amount_financed": 47224.94, "sales_tax": 2777.94, "total_of_payments": 56335.01, "finance_charge": 9110.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262029, VIN 1V2KN2CA1TC545300. $782 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,447, before any dealer documentation fee. Amount financed $47,225, including $2,778 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,335. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC545300_finance_84", "type": "finance_84", "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": 44447.0, "price_incl_doc": 44447.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.04, "amount_financed": 47224.94, "sales_tax": 2777.94, "total_of_payments": 58886.95, "finance_charge": 11662.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262029, VIN 1V2KN2CA1TC545300. $701 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,447, before any dealer documentation fee. Amount financed $47,225, including $2,778 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,887. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC545300_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49791.0, "selling_price": 44447.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 541.73, "net_cap_cost": 45122.0, "residual_value": 30870.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 541.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 701.73}, "total_of_payments": 19512, "total_of_payments_unrounded": 19502.28}, "disclosure": "Estimated lease payment for stock #NRVD262029, VIN 1V2KN2CA1TC545300. $542 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $702, made up of $542 first payment, $60 title, $100 registration. MSRP $49,791. Lease selling price $44,447. Net capitalized cost $45,122. Residual value $30,870, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,512. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA1TC545300_lease", "type": "lease", "label": "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": 49791.0, "selling_price": 44447.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.44, "net_cap_cost": 42123.0, "residual_value": 30870.42, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3607.44}, "total_of_payments": 16128, "total_of_payments_unrounded": 16143.84}, "disclosure": "Estimated lease payment for stock #NRVD262029, VIN 1V2KN2CA1TC545300. $448 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,607, made up of $448 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,791. Lease selling price $44,447. Net capitalized cost $42,123. Residual value $30,870, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 471}}, {"vin": "3VVGR7RM5TM026213", "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": "new", "price": 37354.0, "msrp": 41226.0, "sale_price": 37354.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Gray Metallic", "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": "VD261779", "stock_status": 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm026213/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm026213/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM5TM026213.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM5TM026213.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVGR7RM5TM026213.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm026213/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,872. This offer applies to Stock #VD261779, VIN 3VVGR7RM5TM026213. 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: $41,226. Advertised price: $37,354. Savings: $3,872, 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": "$41,226"}, {"label": "Advertised price", "value": "$37,354"}, {"label": "Savings", "value": "$3,872, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,872", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37354.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM5TM026213_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": 37354.0, "price_incl_doc": 37354.0, "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": 757.92, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 45474.95, "finance_charge": 5786.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261779, VIN 3VVGR7RM5TM026213. $758 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,475. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM5TM026213_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": 37354.0, "price_incl_doc": 37354.0, "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": 657.57, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 47344.89, "finance_charge": 7656.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261779, VIN 3VVGR7RM5TM026213. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,345. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM5TM026213_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": 37354.0, "price_incl_doc": 37354.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.16, "amount_financed": 39688.63, "sales_tax": 2334.63, "total_of_payments": 49489.58, "finance_charge": 9800.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261779, VIN 3VVGR7RM5TM026213. $589 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,354, before any dealer documentation fee. Amount financed $39,689, including $2,335 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,490. 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_3VVGR7RM5TM026213_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": 41226.0, "selling_price": 37354.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.35, "net_cap_cost": 38029.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 629.35}, "total_of_payments": 16884, "total_of_payments_unrounded": 16896.6}, "disclosure": "Estimated lease payment for stock #VD261779, VIN 3VVGR7RM5TM026213. $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 $41,226. Lease selling price $37,354. Net capitalized cost $38,029. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VVGR7RM5TM026213_lease", "type": "lease", "label": "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": 41226.0, "selling_price": 37354.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 376.06, "net_cap_cost": 35030.0, "residual_value": 25560.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.06}, "total_of_payments": 13536, "total_of_payments_unrounded": 13538.16}, "disclosure": "Estimated lease payment for stock #VD261779, VIN 3VVGR7RM5TM026213. $376 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,535, made up of $376 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,226. Lease selling price $37,354. Net capitalized cost $35,030. Residual value $25,560, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "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": 509}}, {"vin": "3VVMR7RM3TM076689", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio & 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": "VD262104", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm076689/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM3TM076689.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM076689.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM3TM076689.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm3tm076689/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #VD262104, VIN 3VVMR7RM3TM076689. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM3TM076689_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262104, VIN 3VVMR7RM3TM076689. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM3TM076689_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262104, VIN 3VVMR7RM3TM076689. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM3TM076689_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262104, VIN 3VVMR7RM3TM076689. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM3TM076689_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262104, VIN 3VVMR7RM3TM076689. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM3TM076689_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262104, VIN 3VVMR7RM3TM076689. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 462}}, {"vin": "1V2FN2CA5TC583159", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 51681.0, "msrp": 57136.0, "sale_price": 51681.0, "currency": "USD", "mileage": 10, "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262273", 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(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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca5tc583159/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA5TC583159.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA5TC583159.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA5TC583159.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca5tc583159/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,455. This offer applies to Stock #VD262273, VIN 1V2FN2CA5TC583159. 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: $57,136. Advertised price: $51,681. Savings: $5,455, 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": "$57,136"}, {"label": "Advertised price", "value": "$51,681"}, {"label": "Savings", "value": "$5,455, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,455", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51681.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA5TC583159_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 1048.61, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 62916.7, "finance_charge": 8005.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262273, VIN 1V2FN2CA5TC583159. $1,049 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA5TC583159_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "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": 909.78, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 65503.85, "finance_charge": 10592.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262273, VIN 1V2FN2CA5TC583159. $910 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,504. 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_1V2FN2CA5TC583159_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51681.0, "price_incl_doc": 51681.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.13, "amount_financed": 54911.06, "sales_tax": 3230.06, "total_of_payments": 68471.13, "finance_charge": 13560.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262273, VIN 1V2FN2CA5TC583159. $815 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,681, before any dealer documentation fee. Amount financed $54,911, including $3,230 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,471. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FN2CA5TC583159_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": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 639.62, "net_cap_cost": 52356.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 639.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 799.62}, "total_of_payments": 23040, "total_of_payments_unrounded": 23026.32}, "disclosure": "Estimated lease payment for stock #VD262273, VIN 1V2FN2CA5TC583159. $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 $57,136. Lease selling price $51,681. Net capitalized cost $52,356. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA5TC583159_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57136.0, "selling_price": 51681.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 546.33, "net_cap_cost": 49357.0, "residual_value": 35424.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3705.33}, "total_of_payments": 19656, "total_of_payments_unrounded": 19667.88}, "disclosure": "Estimated lease payment for stock #VD262273, VIN 1V2FN2CA5TC583159. $546 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,705, made up of $546 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,136. Lease selling price $51,681. Net capitalized cost $49,357. Residual value $35,424, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 36, "elapsed_ms": 487}}, {"vin": "3VWBW7BU6TM051968", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 7, "exterior_color": "Pure White", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262201", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu6tm051968/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu6tm051968/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU6TM051968.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU6TM051968.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU6TM051968.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu6tm051968/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD262201, VIN 3VWBW7BU6TM051968. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU6TM051968_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262201, VIN 3VWBW7BU6TM051968. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU6TM051968_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262201, VIN 3VWBW7BU6TM051968. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU6TM051968_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262201, VIN 3VWBW7BU6TM051968. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU6TM051968_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD262201, VIN 3VWBW7BU6TM051968. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU6TM051968_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD262201, VIN 3VWBW7BU6TM051968. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $8,316. 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"}], "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": 471}}, {"vin": "1V2CN2CA7TC580881", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 44577.0, "msrp": 50566.0, "sale_price": 44577.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black Pearl", "interior_color": "Titan Black with Orange Stitching", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262279", 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Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca7tc580881/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA7TC580881.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA7TC580881.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA7TC580881.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca7tc580881/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,989. This offer applies to Stock #VD262279, VIN 1V2CN2CA7TC580881. 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: $50,566. Advertised price: $44,577. Savings: $5,989, 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": "$50,566"}, {"label": "Advertised price", "value": "$44,577"}, {"label": "Savings", "value": "$5,989, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,989", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44577.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA7TC580881_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 904, "unit": "per_month", "display": "$904/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44577.0, "price_incl_doc": 44577.0, "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": 904.47, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 54268.25, "finance_charge": 6905.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262279, VIN 1V2CN2CA7TC580881. $904 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,268. 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_1V2CN2CA7TC580881_finance_72", "type": "finance_72", "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": 44577.0, "price_incl_doc": 44577.0, "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": 784.72, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 56499.78, "finance_charge": 9136.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262279, VIN 1V2CN2CA7TC580881. $785 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,500. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA7TC580881_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": 44577.0, "price_incl_doc": 44577.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.09, "amount_financed": 47363.06, "sales_tax": 2786.06, "total_of_payments": 59059.18, "finance_charge": 11696.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262279, VIN 1V2CN2CA7TC580881. $703 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,577, before any dealer documentation fee. Amount financed $47,363, including $2,786 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,059. 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_1V2CN2CA7TC580881_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.36, "net_cap_cost": 45252.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.36}, "total_of_payments": 19152, "total_of_payments_unrounded": 19164.96}, "disclosure": "Estimated lease payment for stock #VD262279, VIN 1V2CN2CA7TC580881. $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 $50,566. Lease selling price $44,577. Net capitalized cost $45,252. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2CN2CA7TC580881_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": 50566.0, "selling_price": 44577.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.07, "net_cap_cost": 42253.0, "residual_value": 31350.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.07}, "total_of_payments": 15804, "total_of_payments_unrounded": 15806.52}, "disclosure": "Estimated lease payment for stock #VD262279, VIN 1V2CN2CA7TC580881. $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 $50,566. Lease selling price $44,577. Net capitalized cost $42,253. Residual value $31,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 35, "elapsed_ms": 552}}, {"vin": "3VWBW7BU1TM051523", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 25109.0, "msrp": 27626.0, "sale_price": 25109.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD261955", "stock_status": "Available", "availability": "In Stock", 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"monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm051523/2026-volkswagen-jetta-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm051523/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VWBW7BU1TM051523.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM051523.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VWBW7BU1TM051523.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu1tm051523/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,517. This offer applies to Stock #VD261955, VIN 3VWBW7BU1TM051523. 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: $27,626. Advertised price: $25,109. Savings: $2,517, 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": "$27,626"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$2,517, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,517", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWBW7BU1TM051523_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261955, VIN 3VWBW7BU1TM051523. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU1TM051523_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261955, VIN 3VWBW7BU1TM051523. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_3VWBW7BU1TM051523_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261955, VIN 3VWBW7BU1TM051523. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_3VWBW7BU1TM051523_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.86, "net_cap_cost": 25784.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 483.86}, "total_of_payments": 11664, "total_of_payments_unrounded": 11658.96}, "disclosure": "Estimated lease payment for stock #VD261955, VIN 3VWBW7BU1TM051523. $324 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $484, made up of $324 first payment, $60 title, $100 registration. MSRP $27,626. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $17,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $11,664. 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. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWBW7BU1TM051523_lease", "type": "lease", "label": "Lease", "headline": {"value": 231, "unit": "per_month", "display": "$231/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27626.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 230.57, "net_cap_cost": 22785.0, "residual_value": 17128.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 230.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3389.57}, "total_of_payments": 8316, "total_of_payments_unrounded": 8300.52}, "disclosure": "Estimated lease payment for stock #VD261955, VIN 3VWBW7BU1TM051523. $231 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,390, made up of $231 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,626. 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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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 36, "elapsed_ms": 503}}, {"vin": "1V2FC2CA3TC225659", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 51197.0, "msrp": 56643.0, "sale_price": 51197.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "Titan Black with Blue Underlay", "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": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": 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publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc225659/2026-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FC2CA3TC225659.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA3TC225659.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FC2CA3TC225659.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fc2ca3tc225659/2026-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,446. This offer applies to Stock #VD262261, VIN 1V2FC2CA3TC225659. 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: $56,643. Advertised price: $51,197. Savings: $5,446, 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": "$56,643"}, {"label": "Advertised price", "value": "$51,197"}, {"label": "Savings", "value": "$5,446, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,446", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51197.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FC2CA3TC225659_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1039, "unit": "per_month", "display": "$1,039/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51197.0, "price_incl_doc": 51197.0, "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": 1038.79, "amount_financed": 54396.81, "sales_tax": 3199.81, "total_of_payments": 62327.47, "finance_charge": 7930.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262261, VIN 1V2FC2CA3TC225659. $1,039 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,197, before any dealer documentation fee. Amount financed $54,397, including $3,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,327. 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_1V2FC2CA3TC225659_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 901, "unit": "per_month", "display": "$901/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51197.0, "price_incl_doc": 51197.0, "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": 901.26, "amount_financed": 54396.81, "sales_tax": 3199.81, "total_of_payments": 64890.39, "finance_charge": 10493.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262261, VIN 1V2FC2CA3TC225659. $901 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,197, before any dealer documentation fee. Amount financed $54,397, including $3,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,890. 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_1V2FC2CA3TC225659_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 808, "unit": "per_month", "display": "$808/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51197.0, "price_incl_doc": 51197.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 807.5, "amount_financed": 54396.81, "sales_tax": 3199.81, "total_of_payments": 67829.89, "finance_charge": 13433.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262261, VIN 1V2FC2CA3TC225659. $808 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,197, before any dealer documentation fee. Amount financed $54,397, including $3,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,830. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FC2CA3TC225659_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56643.0, "selling_price": 51197.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 633.1, "net_cap_cost": 51872.0, "residual_value": 35118.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 633.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 793.1}, "total_of_payments": 22788, "total_of_payments_unrounded": 22791.6}, "disclosure": "Estimated lease payment for stock #VD262261, VIN 1V2FC2CA3TC225659. $633 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $793, made up of $633 first payment, $60 title, $100 registration. MSRP $56,643. Lease selling price $51,197. Net capitalized cost $51,872. Residual value $35,119, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $22,788. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FC2CA3TC225659_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": 56643.0, "selling_price": 51197.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 539.81, "net_cap_cost": 48873.0, "residual_value": 35118.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 539.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3698.81}, "total_of_payments": 19440, "total_of_payments_unrounded": 19433.16}, "disclosure": "Estimated lease payment for stock #VD262261, VIN 1V2FC2CA3TC225659. $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 $56,643. Lease selling price $51,197. Net capitalized cost $48,873. Residual value $35,119, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 27, "elapsed_ms": 410}}, {"vin": "1V2CN2CA6TC535110", "title": "2026 Volkswagen Atlas 2.0T Peak Edition", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T Peak Edition", "decoded_trim": "4Motion Peak Edition SE", "condition": "new", "price": 45014.0, "msrp": 51021.0, "sale_price": 45014.0, "currency": "USD", "mileage": 6, "exterior_color": "Pure Gray", "interior_color": "Titan Black with Orange Stitching", "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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD261915", 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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51021.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc535110/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc535110/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA6TC535110.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC535110.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2CN2CA6TC535110.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca6tc535110/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $6,007. This offer applies to Stock #VD261915, VIN 1V2CN2CA6TC535110. 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: $51,021. Advertised price: $45,014. Savings: $6,007, 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": "$51,021"}, {"label": "Advertised price", "value": "$45,014"}, {"label": "Savings", "value": "$6,007, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,007", "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": "2026-07-26T16:50:45Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45014.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA6TC535110_finance_60", "type": "finance_60", "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": 45014.0, "price_incl_doc": 45014.0, "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": 913.34, "amount_financed": 47827.38, "sales_tax": 2813.38, "total_of_payments": 54800.27, "finance_charge": 6972.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261915, VIN 1V2CN2CA6TC535110. $913 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,014, before any dealer documentation fee. Amount financed $47,827, including $2,813 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,800. 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_1V2CN2CA6TC535110_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 792, "unit": "per_month", "display": "$792/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45014.0, "price_incl_doc": 45014.0, "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": 792.41, "amount_financed": 47827.38, "sales_tax": 2813.38, "total_of_payments": 57053.67, "finance_charge": 9226.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261915, VIN 1V2CN2CA6TC535110. $792 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,014, before any dealer documentation fee. Amount financed $47,827, including $2,813 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,054. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC535110_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": 45014.0, "price_incl_doc": 45014.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.98, "amount_financed": 47827.38, "sales_tax": 2813.38, "total_of_payments": 59638.16, "finance_charge": 11810.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261915, VIN 1V2CN2CA6TC535110. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,014, before any dealer documentation fee. Amount financed $47,827, including $2,813 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,638. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC535110_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51021.0, "selling_price": 45014.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 538.08, "net_cap_cost": 45689.0, "residual_value": 31633.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 538.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 698.08}, "total_of_payments": 19368, "total_of_payments_unrounded": 19370.88}, "disclosure": "Estimated lease payment for stock #VD261915, VIN 1V2CN2CA6TC535110. $538 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $698, made up of $538 first payment, $60 title, $100 registration. MSRP $51,021. Lease selling price $45,014. Net capitalized cost $45,689. Residual value $31,633, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA6TC535110_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51021.0, "selling_price": 45014.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 444.79, "net_cap_cost": 42690.0, "residual_value": 31633.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 444.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3603.79}, "total_of_payments": 16020, "total_of_payments_unrounded": 16012.44}, "disclosure": "Estimated lease payment for stock #VD261915, VIN 1V2CN2CA6TC535110. $445 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,604, made up of $445 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,021. Lease selling price $45,014. Net capitalized cost $42,690. Residual value $31,633, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 27, "elapsed_ms": 444}}, {"vin": "1V2KN2CA0TC570396", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 45557.0, "msrp": 51081.0, "sale_price": 45557.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "NRVD262235", "stock_status": "Available", 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"offers": [], "price_history": [], "window_sticker": {"msrp": 51081.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca0tc570396/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca0tc570396/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA0TC570396.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA0TC570396.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA0TC570396.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca0tc570396/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,524. This offer applies to Stock #NRVD262235, VIN 1V2KN2CA0TC570396. 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: $51,081. Advertised price: $45,557. Savings: $5,524, 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": "$51,081"}, {"label": "Advertised price", "value": "$45,557"}, {"label": "Savings", "value": "$5,524, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,524", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45557.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA0TC570396_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": 45557.0, "price_incl_doc": 45557.0, "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": 924.36, "amount_financed": 48404.31, "sales_tax": 2847.31, "total_of_payments": 55461.31, "finance_charge": 7057.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262235, VIN 1V2KN2CA0TC570396. $924 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,557, before any dealer documentation fee. Amount financed $48,404, including $2,847 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,461. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA0TC570396_finance_72", "type": "finance_72", "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": 45557.0, "price_incl_doc": 45557.0, "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": 801.97, "amount_financed": 48404.31, "sales_tax": 2847.31, "total_of_payments": 57741.89, "finance_charge": 9337.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262235, VIN 1V2KN2CA0TC570396. $802 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,557, before any dealer documentation fee. Amount financed $48,404, including $2,847 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,742. 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_1V2KN2CA0TC570396_finance_84", "type": "finance_84", "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": 45557.0, "price_incl_doc": 45557.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.54, "amount_financed": 48404.31, "sales_tax": 2847.31, "total_of_payments": 60357.56, "finance_charge": 11953.25, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262235, VIN 1V2KN2CA0TC570396. $719 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,557, before any dealer documentation fee. Amount financed $48,404, including $2,847 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,358. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA0TC570396_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51081.0, "selling_price": 45557.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 553.93, "net_cap_cost": 46232.0, "residual_value": 31670.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 553.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 713.93}, "total_of_payments": 19944, "total_of_payments_unrounded": 19941.48}, "disclosure": "Estimated lease payment for stock #NRVD262235, VIN 1V2KN2CA0TC570396. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $51,081. Lease selling price $45,557. Net capitalized cost $46,232. Residual value $31,670, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA0TC570396_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51081.0, "selling_price": 45557.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.64, "net_cap_cost": 43233.0, "residual_value": 31670.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3619.64}, "total_of_payments": 16596, "total_of_payments_unrounded": 16583.04}, "disclosure": "Estimated lease payment for stock #NRVD262235, VIN 1V2KN2CA0TC570396. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,081. Lease selling price $45,557. Net capitalized cost $43,233. Residual value $31,670, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 462}}, {"vin": "3VW7W7BU9TM040405", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27117.0, "msrp": 29681.0, "sale_price": 27117.0, "currency": "USD", "mileage": 10, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262039", "stock_status": "Available", "availability": "In Stock", 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small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu9tm040405/2026-volkswagen-jetta-4dr-car", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VW7W7BU9TM040405.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU9TM040405.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VW7W7BU9TM040405.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu9tm040405/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,564. This offer applies to Stock #VD262039, VIN 3VW7W7BU9TM040405. 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: $29,681. Advertised price: $27,117. Savings: $2,564, 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": "$29,681"}, {"label": "Advertised price", "value": "$27,117"}, {"label": "Savings", "value": "$2,564, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,564", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27117.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU9TM040405_finance_60", "type": "finance_60", "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": 27117.0, "price_incl_doc": 27117.0, "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": 550.21, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 33012.36, "finance_charge": 4200.55, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262039, VIN 3VW7W7BU9TM040405. $550 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,012. 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_3VW7W7BU9TM040405_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27117.0, "price_incl_doc": 27117.0, "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": 477.36, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 34369.84, "finance_charge": 5558.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262039, VIN 3VW7W7BU9TM040405. $477 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU9TM040405_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27117.0, "price_incl_doc": 27117.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 427.7, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 35926.77, "finance_charge": 7114.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262039, VIN 3VW7W7BU9TM040405. $428 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,927. 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_3VW7W7BU9TM040405_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 351, "unit": "per_month", "display": "$351/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27117.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 350.75, "net_cap_cost": 27792.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 350.75, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 510.75}, "total_of_payments": 12636, "total_of_payments_unrounded": 12627.0}, "disclosure": "Estimated lease payment for stock #VD262039, VIN 3VW7W7BU9TM040405. $351 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $511, made up of $351 first payment, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,117. Net capitalized cost $27,792. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,636. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU9TM040405_lease", "type": "lease", "label": "Lease", "headline": {"value": 257, "unit": "per_month", "display": "$257/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27117.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 257.46, "net_cap_cost": 24793.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 257.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3416.46}, "total_of_payments": 9252, "total_of_payments_unrounded": 9268.56}, "disclosure": "Estimated lease payment for stock #VD262039, VIN 3VW7W7BU9TM040405. $257 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,416, made up of $257 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,117. Net capitalized cost $24,793. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,252. 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"}], "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": 38, "elapsed_ms": 489}}, {"vin": "1V2FN2CA5TC584182", "title": "2026 Volkswagen Atlas 2.0T SEL Premium R-Line", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "new", "price": 52279.0, "msrp": 57831.0, "sale_price": 52279.0, "currency": "USD", "mileage": 6, "exterior_color": "Avocado Green 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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262277", 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(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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca5tc584182/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2FN2CA5TC584182.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA5TC584182.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2FN2CA5TC584182.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2fn2ca5tc584182/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,552. This offer applies to Stock #VD262277, VIN 1V2FN2CA5TC584182. 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: $57,831. Advertised price: $52,279. Savings: $5,552, 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": "$57,831"}, {"label": "Advertised price", "value": "$52,279"}, {"label": "Savings", "value": "$5,552, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,552", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52279.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FN2CA5TC584182_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1061, "unit": "per_month", "display": "$1,061/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "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": 1060.75, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 63644.71, "finance_charge": 8098.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262277, VIN 1V2FN2CA5TC584182. $1,061 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,645. 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_1V2FN2CA5TC584182_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "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": 920.3, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 66261.8, "finance_charge": 10715.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262277, VIN 1V2FN2CA5TC584182. $920 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,262. 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_1V2FN2CA5TC584182_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 825, "unit": "per_month", "display": "$825/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52279.0, "price_incl_doc": 52279.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 824.56, "amount_financed": 55546.44, "sales_tax": 3267.44, "total_of_payments": 69263.41, "finance_charge": 13716.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262277, VIN 1V2FN2CA5TC584182. $825 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,279, before any dealer documentation fee. Amount financed $55,546, including $3,267 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,263. 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_1V2FN2CA5TC584182_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": 57831.0, "selling_price": 52279.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 646.19, "net_cap_cost": 52954.0, "residual_value": 35855.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 646.19, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 806.19}, "total_of_payments": 23256, "total_of_payments_unrounded": 23262.84}, "disclosure": "Estimated lease payment for stock #VD262277, VIN 1V2FN2CA5TC584182. $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 $57,831. Lease selling price $52,279. Net capitalized cost $52,954. Residual value $35,855, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2FN2CA5TC584182_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": 57831.0, "selling_price": 52279.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.9, "net_cap_cost": 49955.0, "residual_value": 35855.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3711.9}, "total_of_payments": 19908, "total_of_payments_unrounded": 19904.4}, "disclosure": "Estimated lease payment for stock #VD262277, VIN 1V2FN2CA5TC584182. $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 $57,831. Lease selling price $52,279. Net capitalized cost $49,955. Residual value $35,855, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 27, "elapsed_ms": 381}}, {"vin": "1V2HN2CA2TC537751", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44525.0, "msrp": 49881.0, "sale_price": 44525.0, "currency": "USD", "mileage": 59, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD262048", "stock_status": "Available", 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"offers": [], "price_history": [], "window_sticker": {"msrp": 49881.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca2tc537751/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2ca2tc537751/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2HN2CA2TC537751.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,356. This offer applies to Stock #VD262048, VIN 1V2HN2CA2TC537751. 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: $49,881. Advertised price: $44,525. Savings: $5,356, 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": "$49,881"}, {"label": "Advertised price", "value": "$44,525"}, {"label": "Savings", "value": "$5,356, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,356", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44525.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CA2TC537751_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44525.0, "price_incl_doc": 44525.0, "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": 903.42, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 54204.95, "finance_charge": 6897.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262048, VIN 1V2HN2CA2TC537751. $903 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,205. 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_1V2HN2CA2TC537751_finance_72", "type": "finance_72", "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": 44525.0, "price_incl_doc": 44525.0, "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": 783.8, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 56433.87, "finance_charge": 9126.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262048, VIN 1V2HN2CA2TC537751. $784 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,434. 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_1V2HN2CA2TC537751_finance_84", "type": "finance_84", "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": 44525.0, "price_incl_doc": 44525.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.27, "amount_financed": 47307.81, "sales_tax": 2782.81, "total_of_payments": 58990.29, "finance_charge": 11682.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262048, VIN 1V2HN2CA2TC537751. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,525, before any dealer documentation fee. Amount financed $47,308, including $2,783 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,990. 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_1V2HN2CA2TC537751_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44525.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.6, "net_cap_cost": 45200.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.6, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.6}, "total_of_payments": 19548, "total_of_payments_unrounded": 19533.6}, "disclosure": "Estimated lease payment for stock #VD262048, VIN 1V2HN2CA2TC537751. $543 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $703, made up of $543 first payment, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,525. Net capitalized cost $45,200. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,548. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CA2TC537751_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44525.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.31, "net_cap_cost": 42201.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.31}, "total_of_payments": 16164, "total_of_payments_unrounded": 16175.16}, "disclosure": "Estimated lease payment for stock #VD262048, VIN 1V2HN2CA2TC537751. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,525. Net capitalized cost $42,201. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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": 445}}, {"vin": "3VVMR7RM0TM108725", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Black Pearl", "interior_color": "Grigio and 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": "VD262083", "stock_status": "Available", "availability": "In Stock", 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm108725/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM0TM108725.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM0TM108725.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM0TM108725.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm0tm108725/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD262083, VIN 3VVMR7RM0TM108725. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM0TM108725_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262083, VIN 3VVMR7RM0TM108725. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM0TM108725_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262083, VIN 3VVMR7RM0TM108725. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM0TM108725_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262083, VIN 3VVMR7RM0TM108725. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM0TM108725_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD262083, VIN 3VVMR7RM0TM108725. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM0TM108725_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD262083, VIN 3VVMR7RM0TM108725. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": "3VVMR7RM2TM075324", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 9, "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, "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": "VD261887", "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 $3,843. This offer applies to Stock #VD261887, VIN 3VVMR7RM2TM075324. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM2TM075324_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261887, VIN 3VVMR7RM2TM075324. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM075324_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261887, VIN 3VVMR7RM2TM075324. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM2TM075324_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261887, VIN 3VVMR7RM2TM075324. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM2TM075324_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD261887, VIN 3VVMR7RM2TM075324. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM2TM075324_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD261887, VIN 3VVMR7RM2TM075324. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 369}}, {"vin": "1V2JC2CAXTC201840", "title": "2026 Volkswagen Atlas Cross Sport 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SE w/Technology", "decoded_trim": "SE", "condition": "new", "price": 42448.0, "msrp": 47388.0, "sale_price": 42448.0, "currency": "USD", "mileage": 14, "exterior_color": "Opal White Pearl", "interior_color": "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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261820", "stock_status": 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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 $4,940. This offer applies to Stock #VD261820, VIN 1V2JC2CAXTC201840. 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: $47,388. Advertised price: $42,448. Savings: $4,940, 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": "$47,388"}, {"label": "Advertised price", "value": "$42,448"}, {"label": "Savings", "value": "$4,940, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,940", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42448.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2JC2CAXTC201840_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 861, "unit": "per_month", "display": "$861/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42448.0, "price_incl_doc": 42448.0, "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": 861.27, "amount_financed": 45101.0, "sales_tax": 2653.0, "total_of_payments": 51676.4, "finance_charge": 6575.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261820, VIN 1V2JC2CAXTC201840. $861 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,448, before any dealer documentation fee. Amount financed $45,101, including $2,653 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,676. 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_1V2JC2CAXTC201840_finance_72", "type": "finance_72", "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": 42448.0, "price_incl_doc": 42448.0, "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": 747.24, "amount_financed": 45101.0, "sales_tax": 2653.0, "total_of_payments": 53801.35, "finance_charge": 8700.35, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261820, VIN 1V2JC2CAXTC201840. $747 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,448, before any dealer documentation fee. Amount financed $45,101, including $2,653 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,801. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2JC2CAXTC201840_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 670, "unit": "per_month", "display": "$670/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42448.0, "price_incl_doc": 42448.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 669.51, "amount_financed": 45101.0, "sales_tax": 2653.0, "total_of_payments": 56238.51, "finance_charge": 11137.51, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261820, VIN 1V2JC2CAXTC201840. $670 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,448, before any dealer documentation fee. Amount financed $45,101, including $2,653 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,239. 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_1V2JC2CAXTC201840_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": 47388.0, "selling_price": 42448.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 521.15, "net_cap_cost": 43123.0, "residual_value": 29380.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 681.15}, "total_of_payments": 18756, "total_of_payments_unrounded": 18761.4}, "disclosure": "Estimated lease payment for stock #VD261820, VIN 1V2JC2CAXTC201840. $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 $47,388. Lease selling price $42,448. Net capitalized cost $43,123. Residual value $29,381, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2JC2CAXTC201840_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": 47388.0, "selling_price": 42448.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 427.85, "net_cap_cost": 40124.0, "residual_value": 29380.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3586.85}, "total_of_payments": 15408, "total_of_payments_unrounded": 15402.6}, "disclosure": "Estimated lease payment for stock #VD261820, VIN 1V2JC2CAXTC201840. $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 $47,388. Lease selling price $42,448. Net capitalized cost $40,124. Residual value $29,381, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 370}}, {"vin": "3VVMR7RM8TM071343", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 2, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "VD262129", "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 $3,843. This offer applies to Stock #VD262129, VIN 3VVMR7RM8TM071343. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM071343_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262129, VIN 3VVMR7RM8TM071343. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM071343_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262129, VIN 3VVMR7RM8TM071343. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM8TM071343_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262129, VIN 3VVMR7RM8TM071343. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM071343_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262129, VIN 3VVMR7RM8TM071343. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM8TM071343_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262129, VIN 3VVMR7RM8TM071343. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": "3VVMR7RM8TM092824", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34538.0, "msrp": 38381.0, "sale_price": 34538.0, "currency": "USD", "mileage": 5, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio & 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": "NRVD262176", "stock_status": "Available", "availability": "In 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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm092824/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM8TM092824.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM092824.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM092824.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm092824/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,843. This offer applies to Stock #NRVD262176, VIN 3VVMR7RM8TM092824. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM092824_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262176, VIN 3VVMR7RM8TM092824. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM092824_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262176, VIN 3VVMR7RM8TM092824. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RM8TM092824_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262176, VIN 3VVMR7RM8TM092824. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM092824_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #NRVD262176, VIN 3VVMR7RM8TM092824. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM8TM092824_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #NRVD262176, VIN 3VVMR7RM8TM092824. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 332}}, {"vin": "3VVGR7RM5TM125887", "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": "new", "price": 37846.0, "msrp": 41671.0, "sale_price": 37846.0, "currency": "USD", "mileage": 2, "exterior_color": "Avocado Green w/Deep Black Roof", "interior_color": "Gray", "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": "VD262152", "stock_status": 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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41671.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm125887/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm5tm125887/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVGR7RM5TM125887.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,825. This offer applies to Stock #VD262152, VIN 3VVGR7RM5TM125887. 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: $41,671. Advertised price: $37,846. Savings: $3,825, 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": "$41,671"}, {"label": "Advertised price", "value": "$37,846"}, {"label": "Savings", "value": "$3,825, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,825", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37846.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM5TM125887_finance_60", "type": "finance_60", "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": 37846.0, "price_incl_doc": 37846.0, "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": 767.9, "amount_financed": 40211.38, "sales_tax": 2365.38, "total_of_payments": 46073.91, "finance_charge": 5862.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262152, VIN 3VVGR7RM5TM125887. $768 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,846, before any dealer documentation fee. Amount financed $40,211, including $2,365 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,074. 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_3VVGR7RM5TM125887_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37846.0, "price_incl_doc": 37846.0, "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": 666.23, "amount_financed": 40211.38, "sales_tax": 2365.38, "total_of_payments": 47968.48, "finance_charge": 7757.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262152, VIN 3VVGR7RM5TM125887. $666 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,846, before any dealer documentation fee. Amount financed $40,211, including $2,365 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,968. 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"}, {"offer_id": "of_3VVGR7RM5TM125887_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37846.0, "price_incl_doc": 37846.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.92, "amount_financed": 40211.38, "sales_tax": 2365.38, "total_of_payments": 50141.42, "finance_charge": 9930.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262152, VIN 3VVGR7RM5TM125887. $597 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,846, before any dealer documentation fee. Amount financed $40,211, including $2,365 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,141. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM5TM125887_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 41671.0, "selling_price": 37846.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 476.95, "net_cap_cost": 38521.0, "residual_value": 25836.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 476.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 636.95}, "total_of_payments": 17172, "total_of_payments_unrounded": 17170.2}, "disclosure": "Estimated lease payment for stock #VD262152, VIN 3VVGR7RM5TM125887. $477 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $637, made up of $477 first payment, $60 title, $100 registration. MSRP $41,671. Lease selling price $37,846. Net capitalized cost $38,521. Residual value $25,836, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVGR7RM5TM125887_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": 41671.0, "selling_price": 37846.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 383.66, "net_cap_cost": 35522.0, "residual_value": 25836.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 383.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3542.66}, "total_of_payments": 13824, "total_of_payments_unrounded": 13811.76}, "disclosure": "Estimated lease payment for stock #VD262152, VIN 3VVGR7RM5TM125887. $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 $41,671. Lease selling price $37,846. Net capitalized cost $35,522. Residual value $25,836, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": "3VW7W7BU6TM027708", "title": "2026 Volkswagen Jetta SE", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "SE", "decoded_trim": "SE", "condition": "new", "price": 27117.0, "msrp": 29681.0, "sale_price": 27117.0, "currency": "USD", "mileage": 10, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Grigio/Titan 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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD261938", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vw7w7bu6tm027708/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $2,564. This offer applies to Stock #VD261938, VIN 3VW7W7BU6TM027708. 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: $29,681. Advertised price: $27,117. Savings: $2,564, 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": "$29,681"}, {"label": "Advertised price", "value": "$27,117"}, {"label": "Savings", "value": "$2,564, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,564", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27117.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7W7BU6TM027708_finance_60", "type": "finance_60", "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": 27117.0, "price_incl_doc": 27117.0, "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": 550.21, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 33012.36, "finance_charge": 4200.55, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261938, VIN 3VW7W7BU6TM027708. $550 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,012. 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_3VW7W7BU6TM027708_finance_72", "type": "finance_72", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27117.0, "price_incl_doc": 27117.0, "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": 477.36, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 34369.84, "finance_charge": 5558.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261938, VIN 3VW7W7BU6TM027708. $477 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,370. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU6TM027708_finance_84", "type": "finance_84", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27117.0, "price_incl_doc": 27117.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 427.7, "amount_financed": 28811.81, "sales_tax": 1694.81, "total_of_payments": 35926.77, "finance_charge": 7114.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261938, VIN 3VW7W7BU6TM027708. $428 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,117, before any dealer documentation fee. Amount financed $28,812, including $1,695 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,927. 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_3VW7W7BU6TM027708_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 351, "unit": "per_month", "display": "$351/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27117.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 350.75, "net_cap_cost": 27792.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 350.75, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 510.75}, "total_of_payments": 12636, "total_of_payments_unrounded": 12627.0}, "disclosure": "Estimated lease payment for stock #VD261938, VIN 3VW7W7BU6TM027708. $351 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $511, made up of $351 first payment, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,117. Net capitalized cost $27,792. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,636. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7W7BU6TM027708_lease", "type": "lease", "label": "Lease", "headline": {"value": 257, "unit": "per_month", "display": "$257/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29681.0, "selling_price": 27117.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 257.46, "net_cap_cost": 24793.0, "residual_value": 18402.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 257.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3416.46}, "total_of_payments": 9252, "total_of_payments_unrounded": 9268.56}, "disclosure": "Estimated lease payment for stock #VD261938, VIN 3VW7W7BU6TM027708. $257 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,416, made up of $257 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,681. Lease selling price $27,117. Net capitalized cost $24,793. Residual value $18,402, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,252. 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"}], "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": 356}}, {"vin": "1V2BN2CA3TC537621", "title": "2026 Volkswagen Atlas 2.0T SEL", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 47273.0, "msrp": 52581.0, "sale_price": 47273.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White Pearl", "interior_color": "French Roast/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": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD262041", "stock_status": "Available", "availability": 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SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 52581.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2bn2ca3tc537621/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, 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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 $5,308. This offer applies to Stock #VD262041, VIN 1V2BN2CA3TC537621. 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: $52,581. Advertised price: $47,273. Savings: $5,308, 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": "$52,581"}, {"label": "Advertised price", "value": "$47,273"}, {"label": "Savings", "value": "$5,308, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,308", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47273.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA3TC537621_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 959, "unit": "per_month", "display": "$959/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47273.0, "price_incl_doc": 47273.0, "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": 959.17, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 57550.38, "finance_charge": 7322.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262041, VIN 1V2BN2CA3TC537621. $959 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,550. 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_1V2BN2CA3TC537621_finance_72", "type": "finance_72", "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": 47273.0, "price_incl_doc": 47273.0, "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": 832.18, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 59916.86, "finance_charge": 9689.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262041, VIN 1V2BN2CA3TC537621. $832 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,917. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA3TC537621_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47273.0, "price_incl_doc": 47273.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.61, "amount_financed": 50227.56, "sales_tax": 2954.56, "total_of_payments": 62631.06, "finance_charge": 12403.5, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262041, VIN 1V2BN2CA3TC537621. $746 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,273, before any dealer documentation fee. Amount financed $50,228, including $2,955 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,631. 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_1V2BN2CA3TC537621_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": 52581.0, "selling_price": 47273.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 581.35, "net_cap_cost": 47948.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 581.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 741.35}, "total_of_payments": 20916, "total_of_payments_unrounded": 20928.6}, "disclosure": "Estimated lease payment for stock #VD262041, VIN 1V2BN2CA3TC537621. $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 $52,581. Lease selling price $47,273. Net capitalized cost $47,948. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BN2CA3TC537621_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": 52581.0, "selling_price": 47273.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.05, "net_cap_cost": 44949.0, "residual_value": 32600.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.05, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3647.05}, "total_of_payments": 17568, "total_of_payments_unrounded": 17569.8}, "disclosure": "Estimated lease payment for stock #VD262041, VIN 1V2BN2CA3TC537621. $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 $52,581. Lease selling price $47,273. Net capitalized cost $44,949. Residual value $32,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 362}}, {"vin": "3VVCR7RM9TM067040", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 29342.0, "msrp": 32881.0, "sale_price": 29342.0, "currency": "USD", "mileage": 10, "exterior_color": "Platinum Gray Metallic", "interior_color": "Grigio and 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": 26, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "VD262058", "stock_status": "Available", "availability": "In Stock", 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VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvcr7rm9tm067040/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVCR7RM9TM067040.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVCR7RM9TM067040.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVCR7RM9TM067040.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvcr7rm9tm067040/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,539. This offer applies to Stock #VD262058, VIN 3VVCR7RM9TM067040. 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: $32,881. Advertised price: $29,342. Savings: $3,539, 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": "$32,881"}, {"label": "Advertised price", "value": "$29,342"}, {"label": "Savings", "value": "$3,539, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,539", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29342.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVCR7RM9TM067040_finance_60", "type": "finance_60", "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": 29342.0, "price_incl_doc": 29342.0, "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": 595.35, "amount_financed": 31175.88, "sales_tax": 1833.88, "total_of_payments": 35721.1, "finance_charge": 4545.22, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262058, VIN 3VVCR7RM9TM067040. $595 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,342, before any dealer documentation fee. Amount financed $31,176, including $1,834 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,721. 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_3VVCR7RM9TM067040_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": 29342.0, "price_incl_doc": 29342.0, "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": 516.53, "amount_financed": 31175.88, "sales_tax": 1833.88, "total_of_payments": 37189.96, "finance_charge": 6014.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262058, VIN 3VVCR7RM9TM067040. $517 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,342, before any dealer documentation fee. Amount financed $31,176, including $1,834 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,190. 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_3VVCR7RM9TM067040_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": 29342.0, "price_incl_doc": 29342.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 462.79, "amount_financed": 31175.88, "sales_tax": 1833.88, "total_of_payments": 38874.64, "finance_charge": 7698.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262058, VIN 3VVCR7RM9TM067040. $463 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,342, before any dealer documentation fee. Amount financed $31,176, including $1,834 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,875. 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_3VVCR7RM9TM067040_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 32881.0, "selling_price": 29342.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 364.57, "net_cap_cost": 30017.0, "residual_value": 20386.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 364.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 524.57}, "total_of_payments": 13140, "total_of_payments_unrounded": 13124.52}, "disclosure": "Estimated lease payment for stock #VD262058, VIN 3VVCR7RM9TM067040. $365 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $525, made up of $365 first payment, $60 title, $100 registration. MSRP $32,881. Lease selling price $29,342. Net capitalized cost $30,017. Residual value $20,386, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVCR7RM9TM067040_lease", "type": "lease", "label": "Lease", "headline": {"value": 271, "unit": "per_month", "display": "$271/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32881.0, "selling_price": 29342.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 271.28, "net_cap_cost": 27018.0, "residual_value": 20386.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 271.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3430.28}, "total_of_payments": 9756, "total_of_payments_unrounded": 9766.08}, "disclosure": "Estimated lease payment for stock #VD262058, VIN 3VVCR7RM9TM067040. $271 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,430, made up of $271 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,881. Lease selling price $29,342. Net capitalized cost $27,018. Residual value $20,386, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $9,756. 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"}], "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.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca7tc546665/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $6,050. This offer applies to Stock #VD261886, VIN 1V2CN2CA7TC546665. 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: $51,086. Advertised price: $45,036. Savings: $6,050, 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": "$51,086"}, {"label": "Advertised price", "value": "$45,036"}, {"label": "Savings", "value": "$6,050, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,050", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45036.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA7TC546665_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 914, "unit": "per_month", "display": "$914/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45036.0, "price_incl_doc": 45036.0, "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": 913.78, "amount_financed": 47850.75, "sales_tax": 2814.75, "total_of_payments": 54827.05, "finance_charge": 6976.3, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261886, VIN 1V2CN2CA7TC546665. $914 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,036, before any dealer documentation fee. Amount financed $47,851, including $2,815 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,827. 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_1V2CN2CA7TC546665_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 793, "unit": "per_month", "display": "$793/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45036.0, "price_incl_doc": 45036.0, "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": 792.8, "amount_financed": 47850.75, "sales_tax": 2814.75, "total_of_payments": 57081.55, "finance_charge": 9230.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261886, VIN 1V2CN2CA7TC546665. $793 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,036, before any dealer documentation fee. Amount financed $47,851, including $2,815 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,082. 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_1V2CN2CA7TC546665_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": 45036.0, "price_incl_doc": 45036.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.33, "amount_financed": 47850.75, "sales_tax": 2814.75, "total_of_payments": 59667.3, "finance_charge": 11816.55, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261886, VIN 1V2CN2CA7TC546665. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,036, before any dealer documentation fee. Amount financed $47,851, including $2,815 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,667. 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_1V2CN2CA7TC546665_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51086.0, "selling_price": 45036.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 537.64, "net_cap_cost": 45711.0, "residual_value": 31673.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 537.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 697.64}, "total_of_payments": 19368, "total_of_payments_unrounded": 19355.04}, "disclosure": "Estimated lease payment for stock #VD261886, VIN 1V2CN2CA7TC546665. $538 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $698, made up of $538 first payment, $60 title, $100 registration. MSRP $51,086. Lease selling price $45,036. Net capitalized cost $45,711. Residual value $31,673, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA7TC546665_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": 51086.0, "selling_price": 45036.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 444.35, "net_cap_cost": 42712.0, "residual_value": 31673.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 444.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3603.35}, "total_of_payments": 15984, "total_of_payments_unrounded": 15996.6}, "disclosure": "Estimated lease payment for stock #VD261886, VIN 1V2CN2CA7TC546665. $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 $51,086. Lease selling price $45,036. Net capitalized cost $42,712. Residual value $31,673, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,984. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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"source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm097930/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm097930/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RMXTM097930.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RMXTM097930.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RMXTM097930.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm097930/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #NRVD262214, VIN 3VVMR7RMXTM097930. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RMXTM097930_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262214, VIN 3VVMR7RMXTM097930. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RMXTM097930_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262214, VIN 3VVMR7RMXTM097930. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RMXTM097930_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRVD262214, VIN 3VVMR7RMXTM097930. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM097930_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #NRVD262214, VIN 3VVMR7RMXTM097930. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RMXTM097930_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #NRVD262214, VIN 3VVMR7RMXTM097930. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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 $3,843. This offer applies to Stock #VD262191, VIN 3VVMR7RMXTM087592. 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: $38,381. Advertised price: $34,538. Savings: $3,843, 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": "$38,381"}, {"label": "Advertised price", "value": "$34,538"}, {"label": "Savings", "value": "$3,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,843", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RMXTM087592_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": 34538.0, "price_incl_doc": 34538.0, "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": 700.78, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 42046.73, "finance_charge": 5350.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262191, VIN 3VVMR7RMXTM087592. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,047. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM087592_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": 34538.0, "price_incl_doc": 34538.0, "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": 608.0, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 43775.71, "finance_charge": 7079.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262191, VIN 3VVMR7RMXTM087592. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,776. 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"}, {"offer_id": "of_3VVMR7RMXTM087592_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": 34538.0, "price_incl_doc": 34538.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.75, "amount_financed": 36696.63, "sales_tax": 2158.63, "total_of_payments": 45758.72, "finance_charge": 9062.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262191, VIN 3VVMR7RMXTM087592. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,538, before any dealer documentation fee. Amount financed $36,697, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,759. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM087592_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.0, "net_cap_cost": 35213.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 591}, "total_of_payments": 15516, "total_of_payments_unrounded": 15516.0}, "disclosure": "Estimated lease payment for stock #VD262191, VIN 3VVMR7RMXTM087592. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $35,213. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RMXTM087592_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38381.0, "selling_price": 34538.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.71, "net_cap_cost": 32214.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.71}, "total_of_payments": 12168, "total_of_payments_unrounded": 12157.56}, "disclosure": "Estimated lease payment for stock #VD262191, VIN 3VVMR7RMXTM087592. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,381. Lease selling price $34,538. Net capitalized cost $32,214. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51021.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca4tc522873/2026-volkswagen-atlas-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2cn2ca4tc522873/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2CN2CA4TC522873.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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $5,629. This offer applies to Stock #VD261784, VIN 1V2CN2CA4TC522873. 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: $51,021. Advertised price: $45,392. Savings: $5,629, 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": "$51,021"}, {"label": "Advertised price", "value": "$45,392"}, {"label": "Savings", "value": "$5,629, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,629", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45392.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2CN2CA4TC522873_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 921, "unit": "per_month", "display": "$921/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45392.0, "price_incl_doc": 45392.0, "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": 921.01, "amount_financed": 48229.0, "sales_tax": 2837.0, "total_of_payments": 55260.44, "finance_charge": 7031.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261784, VIN 1V2CN2CA4TC522873. $921 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,392, before any dealer documentation fee. Amount financed $48,229, including $2,837 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,260. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA4TC522873_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 799, "unit": "per_month", "display": "$799/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45392.0, "price_incl_doc": 45392.0, "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": 799.07, "amount_financed": 48229.0, "sales_tax": 2837.0, "total_of_payments": 57532.76, "finance_charge": 9303.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261784, VIN 1V2CN2CA4TC522873. $799 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,392, before any dealer documentation fee. Amount financed $48,229, including $2,837 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,533. 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_1V2CN2CA4TC522873_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": 45392.0, "price_incl_doc": 45392.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 715.94, "amount_financed": 48229.0, "sales_tax": 2837.0, "total_of_payments": 60138.96, "finance_charge": 11909.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261784, VIN 1V2CN2CA4TC522873. $716 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,392, before any dealer documentation fee. Amount financed $48,229, including $2,837 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,139. 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_1V2CN2CA4TC522873_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51021.0, "selling_price": 45392.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 549.84, "net_cap_cost": 46067.0, "residual_value": 31633.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 549.84, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 709.84}, "total_of_payments": 19800, "total_of_payments_unrounded": 19794.24}, "disclosure": "Estimated lease payment for stock #VD261784, VIN 1V2CN2CA4TC522873. $550 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $710, made up of $550 first payment, $60 title, $100 registration. MSRP $51,021. Lease selling price $45,392. Net capitalized cost $46,067. Residual value $31,633, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,800. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2CN2CA4TC522873_lease", "type": "lease", "label": "Lease", "headline": {"value": 457, "unit": "per_month", "display": "$457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51021.0, "selling_price": 45392.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 456.55, "net_cap_cost": 43068.0, "residual_value": 31633.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 456.55, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3615.55}, "total_of_payments": 16452, "total_of_payments_unrounded": 16435.8}, "disclosure": "Estimated lease payment for stock #VD261784, VIN 1V2CN2CA4TC522873. $457 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,616, made up of $457 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,021. Lease selling price $45,392. Net capitalized cost $43,068. Residual value $31,633, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,452. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 441}}, {"vin": "WVWLE7CD7TW246468", "title": "2026 Volkswagen Golf GTI S", "year": 2026, "make": "Volkswagen", "model": "Golf GTI", "trim": "S", "decoded_trim": "S", "condition": "new", "price": 33948.0, "msrp": 36670.0, "sale_price": 33948.0, "currency": "USD", "mileage": 2, "exterior_color": "Alpine Silver Metallic", "interior_color": "Titan Black/Scalepaper Plaid", "drivetrain": "FWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "VD262287", "stock_status": "Available", "availability": 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"Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd7tw246468/2026-volkswagen-golf-gti-hatchback", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/WVWLE7CD7TW246468.html", "json_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD7TW246468.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/WVWLE7CD7TW246468.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/wvwle7cd7tw246468/2026-volkswagen-golf-gti-hatchback", "generated_at": "2026-07-26T16:50:21Z", "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 $2,722. This offer applies to Stock #VD262287, VIN WVWLE7CD7TW246468. 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: $36,670. Advertised price: $33,948. Savings: $2,722, 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": "$36,670"}, {"label": "Advertised price", "value": "$33,948"}, {"label": "Savings", "value": "$2,722, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,722", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33948.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWLE7CD7TW246468_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": 33948.0, "price_incl_doc": 33948.0, "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": 688.81, "amount_financed": 36069.75, "sales_tax": 2121.75, "total_of_payments": 41328.46, "finance_charge": 5258.71, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262287, VIN WVWLE7CD7TW246468. $689 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,948, before any dealer documentation fee. Amount financed $36,070, including $2,122 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,328. 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_WVWLE7CD7TW246468_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": 33948.0, "price_incl_doc": 33948.0, "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": 597.61, "amount_financed": 36069.75, "sales_tax": 2121.75, "total_of_payments": 43027.9, "finance_charge": 6958.15, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262287, VIN WVWLE7CD7TW246468. $598 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,948, before any dealer documentation fee. Amount financed $36,070, including $2,122 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,028. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD7TW246468_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": 33948.0, "price_incl_doc": 33948.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.44, "amount_financed": 36069.75, "sales_tax": 2121.75, "total_of_payments": 44977.03, "finance_charge": 8907.28, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262287, VIN WVWLE7CD7TW246468. $535 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,948, before any dealer documentation fee. Amount financed $36,070, including $2,122 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,977. 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_WVWLE7CD7TW246468_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36670.0, "selling_price": 33948.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 442.26, "net_cap_cost": 34623.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 442.26, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 602.26}, "total_of_payments": 15912, "total_of_payments_unrounded": 15921.36}, "disclosure": "Estimated lease payment for stock #VD262287, VIN WVWLE7CD7TW246468. $442 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $602, made up of $442 first payment, $60 title, $100 registration. MSRP $36,670. Lease selling price $33,948. Net capitalized cost $34,623. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $15,912. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWLE7CD7TW246468_lease", "type": "lease", "label": "Lease", "headline": {"value": 349, "unit": "per_month", "display": "$349/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36670.0, "selling_price": 33948.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 348.97, "net_cap_cost": 31624.0, "residual_value": 22735.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 348.97, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3507.97}, "total_of_payments": 12564, "total_of_payments_unrounded": 12562.92}, "disclosure": "Estimated lease payment for stock #VD262287, VIN WVWLE7CD7TW246468. $349 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,508, made up of $349 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,670. Lease selling price $33,948. Net capitalized cost $31,624. Residual value $22,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,564. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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 $5,033. This offer applies to Stock #VD262202, VIN 1V2LC2CA3TC224403. 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: $42,801. Advertised price: $37,768. Savings: $5,033, 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": "$42,801"}, {"label": "Advertised price", "value": "$37,768"}, {"label": "Savings", "value": "$5,033, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,033", "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": "2026-07-26T16:50:46Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37768.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2LC2CA3TC224403_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": 37768.0, "price_incl_doc": 37768.0, "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": 766.32, "amount_financed": 40128.5, "sales_tax": 2360.5, "total_of_payments": 45978.95, "finance_charge": 5850.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262202, VIN 1V2LC2CA3TC224403. $766 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,768, before any dealer documentation fee. Amount financed $40,128, including $2,360 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,979. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LC2CA3TC224403_finance_72", "type": "finance_72", "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": 37768.0, "price_incl_doc": 37768.0, "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": 664.86, "amount_financed": 40128.5, "sales_tax": 2360.5, "total_of_payments": 47869.61, "finance_charge": 7741.11, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262202, VIN 1V2LC2CA3TC224403. $665 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,768, before any dealer documentation fee. Amount financed $40,128, including $2,360 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,870. 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_1V2LC2CA3TC224403_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": 37768.0, "price_incl_doc": 37768.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.69, "amount_financed": 40128.5, "sales_tax": 2360.5, "total_of_payments": 50038.07, "finance_charge": 9909.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262202, VIN 1V2LC2CA3TC224403. $596 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,768, before any dealer documentation fee. Amount financed $40,128, including $2,360 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,038. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2LC2CA3TC224403_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 42801.0, "selling_price": 37768.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.96, "net_cap_cost": 38443.0, "residual_value": 26536.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 614.96}, "total_of_payments": 16380, "total_of_payments_unrounded": 16378.56}, "disclosure": "Estimated lease payment for stock #VD262202, VIN 1V2LC2CA3TC224403. $455 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $615, made up of $455 first payment, $60 title, $100 registration. MSRP $42,801. Lease selling price $37,768. Net capitalized cost $38,443. Residual value $26,537, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_1V2LC2CA3TC224403_lease", "type": "lease", "label": "Lease", "headline": {"value": 362, "unit": "per_month", "display": "$362/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42801.0, "selling_price": 37768.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 361.67, "net_cap_cost": 35444.0, "residual_value": 26536.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 361.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3520.67}, "total_of_payments": 13032, "total_of_payments_unrounded": 13020.12}, "disclosure": "Estimated lease payment for stock #VD262202, VIN 1V2LC2CA3TC224403. $362 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,521, made up of $362 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,801. Lease selling price $37,768. Net capitalized cost $35,444. Residual value $26,537, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $13,032. 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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 482}}, {"vin": "3VV4C7B25TM056177", "title": "2026 Volkswagen Taos SEL", "year": 2026, "make": "Volkswagen", "model": "Taos", "trim": "SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 35601.0, "msrp": 38381.0, "sale_price": 35601.0, "currency": "USD", "mileage": 8, "exterior_color": "Deep Black Pearl", "interior_color": "Gray", "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 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "VD262194", "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 $2,780. This offer applies to Stock #VD262194, VIN 3VV4C7B25TM056177. 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: $38,381. Advertised price: $35,601. Savings: $2,780, 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": "$38,381"}, {"label": "Advertised price", "value": "$35,601"}, {"label": "Savings", "value": "$2,780, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,780", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35601.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4C7B25TM056177_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": 35601.0, "price_incl_doc": 35601.0, "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": 722.35, "amount_financed": 37826.06, "sales_tax": 2225.06, "total_of_payments": 43340.83, "finance_charge": 5514.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262194, VIN 3VV4C7B25TM056177. $722 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,601, before any dealer documentation fee. Amount financed $37,826, including $2,225 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,341. 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_3VV4C7B25TM056177_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": 35601.0, "price_incl_doc": 35601.0, "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": 626.71, "amount_financed": 37826.06, "sales_tax": 2225.06, "total_of_payments": 45123.01, "finance_charge": 7296.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262194, VIN 3VV4C7B25TM056177. $627 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,601, before any dealer documentation fee. Amount financed $37,826, including $2,225 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,123. 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_3VV4C7B25TM056177_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": 35601.0, "price_incl_doc": 35601.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 561.51, "amount_financed": 37826.06, "sales_tax": 2225.06, "total_of_payments": 47167.06, "finance_charge": 9341.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262194, VIN 3VV4C7B25TM056177. $562 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,601, before any dealer documentation fee. Amount financed $37,826, including $2,225 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,167. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4C7B25TM056177_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": 38381.0, "selling_price": 35601.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.07, "net_cap_cost": 36276.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 624.07}, "total_of_payments": 16704, "total_of_payments_unrounded": 16706.52}, "disclosure": "Estimated lease payment for stock #VD262194, VIN 3VV4C7B25TM056177. $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 $38,381. Lease selling price $35,601. Net capitalized cost $36,276. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_3VV4C7B25TM056177_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": 38381.0, "selling_price": 35601.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.78, "net_cap_cost": 33277.0, "residual_value": 23796.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.78}, "total_of_payments": 13356, "total_of_payments_unrounded": 13348.08}, "disclosure": "Estimated lease payment for stock #VD262194, VIN 3VV4C7B25TM056177. $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 $38,381. Lease selling price $35,601. Net capitalized cost $33,277. Residual value $23,796, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": 495}}, {"vin": "WVWJF7CD5TW223565", "title": "2026 Volkswagen Golf R 2.0T", "year": 2026, "make": "Volkswagen", "model": "Golf R", "trim": "2.0T", "decoded_trim": null, "condition": "new", "price": 52051.0, "msrp": 52051.0, "sale_price": 52051.0, "currency": "USD", "mileage": 10, "exterior_color": "Pure White", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Hatchback", "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": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 22, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "VD262219", "stock_status": "Available", "availability": "In Stock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$52,051"}], "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52051.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WVWJF7CD5TW223565_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1056, "unit": "per_month", "display": "$1,056/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52051.0, "price_incl_doc": 52051.0, "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": 1056.12, "amount_financed": 55304.19, "sales_tax": 3253.19, "total_of_payments": 63367.14, "finance_charge": 8062.95, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262219, VIN WVWJF7CD5TW223565. $1,056 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,051, before any dealer documentation fee. Amount financed $55,304, including $3,253 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,367. 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_WVWJF7CD5TW223565_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 916, "unit": "per_month", "display": "$916/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52051.0, "price_incl_doc": 52051.0, "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": 916.29, "amount_financed": 55304.19, "sales_tax": 3253.19, "total_of_payments": 65972.82, "finance_charge": 10668.63, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262219, VIN WVWJF7CD5TW223565. $916 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,051, before any dealer documentation fee. Amount financed $55,304, including $3,253 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,973. 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_WVWJF7CD5TW223565_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 821, "unit": "per_month", "display": "$821/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52051.0, "price_incl_doc": 52051.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 820.97, "amount_financed": 55304.19, "sales_tax": 3253.19, "total_of_payments": 68961.34, "finance_charge": 13657.15, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262219, VIN WVWJF7CD5TW223565. $821 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,051, before any dealer documentation fee. Amount financed $55,304, including $3,253 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,961. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWJF7CD5TW223565_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52051.0, "selling_price": 52051.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 739.15, "net_cap_cost": 52726.0, "residual_value": 32271.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 739.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 899.15}, "total_of_payments": 26604, "total_of_payments_unrounded": 26609.4}, "disclosure": "Estimated lease payment for stock #VD262219, VIN WVWJF7CD5TW223565. $739 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $899, made up of $739 first payment, $60 title, $100 registration. MSRP $52,051. Lease selling price $52,051. Net capitalized cost $52,726. Residual value $32,272, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $26,604. 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_WVWJF7CD5TW223565_lease", "type": "lease", "label": "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": 52051.0, "selling_price": 52051.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 645.86, "net_cap_cost": 49727.0, "residual_value": 32271.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 645.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3804.86}, "total_of_payments": 23256, "total_of_payments_unrounded": 23250.96}, "disclosure": "Estimated lease payment for stock #VD262219, VIN WVWJF7CD5TW223565. $646 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,805, made up of $646 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,051. Lease selling price $52,051. Net capitalized cost $49,727. Residual value $32,272, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 518}}, {"vin": "1V2BE2CA0SC202900", "title": "2025 Volkswagen Atlas Cross Sport 2.0T SEL", "year": 2025, "make": "Volkswagen", "model": "Atlas Cross Sport", "trim": "2.0T SEL", "decoded_trim": "4Motion SEL", "condition": "new", "price": 43557.0, "msrp": 49315.0, "sale_price": 43557.0, "currency": "USD", "mileage": 30, "exterior_color": "Deep Black Pearl", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 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"vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49315.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2be2ca0sc202900/2025-volkswagen-atlas-cross-sport-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2be2ca0sc202900/2025-volkswagen-atlas-cross-sport-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2BE2CA0SC202900.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2BE2CA0SC202900.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2BE2CA0SC202900.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2be2ca0sc202900/2025-volkswagen-atlas-cross-sport-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,758. This offer applies to Stock #VD251816, VIN 1V2BE2CA0SC202900. 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: $49,315. Advertised price: $43,557. Savings: $5,758, 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": "$49,315"}, {"label": "Advertised price", "value": "$43,557"}, {"label": "Savings", "value": "$5,758, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,758", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43557.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BE2CA0SC202900_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": 43557.0, "price_incl_doc": 43557.0, "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": 883.78, "amount_financed": 46279.31, "sales_tax": 2722.31, "total_of_payments": 53026.5, "finance_charge": 6747.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD251816, VIN 1V2BE2CA0SC202900. $884 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,557, before any dealer documentation fee. Amount financed $46,279, including $2,722 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,026. 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_1V2BE2CA0SC202900_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": 43557.0, "price_incl_doc": 43557.0, "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": 766.76, "amount_financed": 46279.31, "sales_tax": 2722.31, "total_of_payments": 55206.96, "finance_charge": 8927.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD251816, VIN 1V2BE2CA0SC202900. $767 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,557, before any dealer documentation fee. Amount financed $46,279, including $2,722 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,207. 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_1V2BE2CA0SC202900_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": 43557.0, "price_incl_doc": 43557.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.0, "amount_financed": 46279.31, "sales_tax": 2722.31, "total_of_payments": 57707.8, "finance_charge": 11428.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD251816, VIN 1V2BE2CA0SC202900. $687 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,557, before any dealer documentation fee. Amount financed $46,279, including $2,722 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,708. 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_1V2BE2CA0SC202900_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": 49315.0, "selling_price": 43557.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.29, "net_cap_cost": 44232.0, "residual_value": 30575.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.29, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 682.29}, "total_of_payments": 18792, "total_of_payments_unrounded": 18802.44}, "disclosure": "Estimated lease payment for stock #VD251816, VIN 1V2BE2CA0SC202900. $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 $49,315. Lease selling price $43,557. Net capitalized cost $44,232. Residual value $30,575, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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_1V2BE2CA0SC202900_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": 49315.0, "selling_price": 43557.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 428.99, "net_cap_cost": 41233.0, "residual_value": 30575.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 428.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3587.99}, "total_of_payments": 15444, "total_of_payments_unrounded": 15443.64}, "disclosure": "Estimated lease payment for stock #VD251816, VIN 1V2BE2CA0SC202900. $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 $49,315. Lease selling price $43,557. Net capitalized cost $41,233. Residual value $30,575, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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": [{"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": 551}}, {"vin": "3VVMR7RM8TM065039", "title": "2026 Volkswagen Tiguan SE", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "new", "price": 34863.0, "msrp": 38786.0, "sale_price": 34863.0, "currency": "USD", "mileage": 2, "exterior_color": "Deep Black Pearl", "interior_color": "Mistral", "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": "VD261986", "stock_status": "Available", "availability": "In Stock", 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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm065039/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm065039/2026-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/3VVMR7RM8TM065039.html", "json_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM065039.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/3VVMR7RM8TM065039.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rm8tm065039/2026-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $3,923. This offer applies to Stock #VD261986, VIN 3VVMR7RM8TM065039. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RM8TM065039_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261986, VIN 3VVMR7RM8TM065039. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RM8TM065039_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261986, VIN 3VVMR7RM8TM065039. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RM8TM065039_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261986, VIN 3VVMR7RM8TM065039. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM8TM065039_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD261986, VIN 3VVMR7RM8TM065039. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RM8TM065039_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD261986, VIN 3VVMR7RM8TM065039. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 549}}, {"vin": "1V2HN2CAXTC521460", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44903.0, "msrp": 49881.0, "sale_price": 44903.0, "currency": "USD", "mileage": 6, "exterior_color": "Opal White 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261773", "stock_status": "Available", 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"https://www.castlevwdownersgrove.com/viewdetails/new/1v2hn2caxtc521460/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $4,978. This offer applies to Stock #VD261773, VIN 1V2HN2CAXTC521460. 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: $49,881. Advertised price: $44,903. Savings: $4,978, 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": "$49,881"}, {"label": "Advertised price", "value": "$44,903"}, {"label": "Savings", "value": "$4,978, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,978", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44903.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2HN2CAXTC521460_finance_60", "type": "finance_60", "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": 44903.0, "price_incl_doc": 44903.0, "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": 911.09, "amount_financed": 47709.44, "sales_tax": 2806.44, "total_of_payments": 54665.13, "finance_charge": 6955.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261773, VIN 1V2HN2CAXTC521460. $911 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,903, before any dealer documentation fee. Amount financed $47,709, including $2,806 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,665. 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_1V2HN2CAXTC521460_finance_72", "type": "finance_72", "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": 44903.0, "price_incl_doc": 44903.0, "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": 790.46, "amount_financed": 47709.44, "sales_tax": 2806.44, "total_of_payments": 56912.98, "finance_charge": 9203.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261773, VIN 1V2HN2CAXTC521460. $790 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,903, before any dealer documentation fee. Amount financed $47,709, including $2,806 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,913. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC521460_finance_84", "type": "finance_84", "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": 44903.0, "price_incl_doc": 44903.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.23, "amount_financed": 47709.44, "sales_tax": 2806.44, "total_of_payments": 59491.1, "finance_charge": 11781.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261773, VIN 1V2HN2CAXTC521460. $708 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,903, before any dealer documentation fee. Amount financed $47,709, including $2,806 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,491. 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"}, {"offer_id": "of_1V2HN2CAXTC521460_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44903.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 554.36, "net_cap_cost": 45578.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 554.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 714.36}, "total_of_payments": 19944, "total_of_payments_unrounded": 19956.96}, "disclosure": "Estimated lease payment for stock #VD261773, VIN 1V2HN2CAXTC521460. $554 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $714, made up of $554 first payment, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,903. Net capitalized cost $45,578. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,944. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HN2CAXTC521460_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49881.0, "selling_price": 44903.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 461.07, "net_cap_cost": 42579.0, "residual_value": 30926.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 461.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3620.07}, "total_of_payments": 16596, "total_of_payments_unrounded": 16598.52}, "disclosure": "Estimated lease payment for stock #VD261773, VIN 1V2HN2CAXTC521460. $461 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,620, made up of $461 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,881. Lease selling price $44,903. Net capitalized cost $42,579. Residual value $30,926, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,596. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 516}}, {"vin": "1V2KN2CA7TC577541", "title": "2026 Volkswagen Atlas 2.0T SE w/Technology", "year": 2026, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "new", "price": 44608.0, "msrp": 50031.0, "sale_price": 44608.0, "currency": "USD", "mileage": 10, "exterior_color": "Avocado Green 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": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "VD261956", "stock_status": 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{"name": "Castle Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca7tc577541/2026-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlevwdownersgrove.com/vehicle/1V2KN2CA7TC577541.html", "json_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA7TC577541.json", "markdown_url": "https://ai.castlevwdownersgrove.com/v/1V2KN2CA7TC577541.md", "vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/1v2kn2ca7tc577541/2026-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:21Z", "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 $5,423. This offer applies to Stock #VD261956, VIN 1V2KN2CA7TC577541. 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: $50,031. Advertised price: $44,608. Savings: $5,423, 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": "$50,031"}, {"label": "Advertised price", "value": "$44,608"}, {"label": "Savings", "value": "$5,423, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $5,423", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44608.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KN2CA7TC577541_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 905, "unit": "per_month", "display": "$905/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44608.0, "price_incl_doc": 44608.0, "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": 905.1, "amount_financed": 47396.0, "sales_tax": 2788.0, "total_of_payments": 54306.0, "finance_charge": 6910.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261956, VIN 1V2KN2CA7TC577541. $905 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,608, before any dealer documentation fee. Amount financed $47,396, including $2,788 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,306. 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_1V2KN2CA7TC577541_finance_72", "type": "finance_72", "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": 44608.0, "price_incl_doc": 44608.0, "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": 785.26, "amount_financed": 47396.0, "sales_tax": 2788.0, "total_of_payments": 56539.07, "finance_charge": 9143.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261956, VIN 1V2KN2CA7TC577541. $785 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,608, before any dealer documentation fee. Amount financed $47,396, including $2,788 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,539. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA7TC577541_finance_84", "type": "finance_84", "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": 44608.0, "price_incl_doc": 44608.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.57, "amount_financed": 47396.0, "sales_tax": 2788.0, "total_of_payments": 59100.25, "finance_charge": 11704.25, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261956, VIN 1V2KN2CA7TC577541. $704 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,608, before any dealer documentation fee. Amount financed $47,396, including $2,788 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,100. 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_1V2KN2CA7TC577541_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50031.0, "selling_price": 44608.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 542.59, "net_cap_cost": 45283.0, "residual_value": 31019.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 542.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 702.59}, "total_of_payments": 19548, "total_of_payments_unrounded": 19533.24}, "disclosure": "Estimated lease payment for stock #VD261956, VIN 1V2KN2CA7TC577541. $543 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $703, made up of $543 first payment, $60 title, $100 registration. MSRP $50,031. Lease selling price $44,608. Net capitalized cost $45,283. Residual value $31,019, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $19,548. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KN2CA7TC577541_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50031.0, "selling_price": 44608.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.29, "net_cap_cost": 42284.0, "residual_value": 31019.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.29, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3608.29}, "total_of_payments": 16164, "total_of_payments_unrounded": 16174.44}, "disclosure": "Estimated lease payment for stock #VD261956, VIN 1V2KN2CA7TC577541. $449 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,608, made up of $449 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,031. Lease selling price $44,608. Net capitalized cost $42,284. Residual value $31,019, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $16,164. 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"}], "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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"engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38786.0, "monroney_url": null, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm065947/2026-volkswagen-tiguan-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 Volkswagen of Downers Grove", "short_name": "Castle Volkswagen of Downers Grove", "city": "Downers Grove", "state": "IL", "address": "2020 Ogden Ave", "zip": "60515", "phone": "(630) 598-9986", "website": "https://www.castlevwdownersgrove.com"}, "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvmr7rmxtm065947/2026-volkswagen-tiguan-sport-utility", "canonical_url": 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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 $3,923. This offer applies to Stock #VD261988, VIN 3VVMR7RMXTM065947. 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: $38,786. Advertised price: $34,863. Savings: $3,923, 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": "$38,786"}, {"label": "Advertised price", "value": "$34,863"}, {"label": "Savings", "value": "$3,923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,923", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34863.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVMR7RMXTM065947_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": 34863.0, "price_incl_doc": 34863.0, "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": 707.37, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 42442.39, "finance_charge": 5400.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261988, VIN 3VVMR7RMXTM065947. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,442. 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_3VVMR7RMXTM065947_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34863.0, "price_incl_doc": 34863.0, "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": 613.72, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 44187.63, "finance_charge": 7145.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261988, VIN 3VVMR7RMXTM065947. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,188. 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_3VVMR7RMXTM065947_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": 34863.0, "price_incl_doc": 34863.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 37041.94, "sales_tax": 2178.94, "total_of_payments": 46189.3, "finance_charge": 9147.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261988, VIN 3VVMR7RMXTM065947. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,863, before any dealer documentation fee. Amount financed $37,042, including $2,179 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,189. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RMXTM065947_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down 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": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.1, "net_cap_cost": 35538.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 594.1}, "total_of_payments": 15624, "total_of_payments_unrounded": 15627.6}, "disclosure": "Estimated lease payment for stock #VD261988, VIN 3VVMR7RMXTM065947. $434 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $594, made up of $434 first payment, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $35,538. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. 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"}, {"offer_id": "of_3VVMR7RMXTM065947_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38786.0, "selling_price": 34863.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 340.81, "net_cap_cost": 32539.0, "residual_value": 24047.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 340.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3499.81}, "total_of_payments": 12276, "total_of_payments_unrounded": 12269.16}, "disclosure": "Estimated lease payment for stock #VD261988, VIN 3VVMR7RMXTM065947. $341 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,500, made up of $341 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,786. Lease selling price $34,863. Net capitalized cost $32,539. Residual value $24,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $12,276. 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"}], "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": 20, "elapsed_ms": 339}}, {"vin": "1V2DSPE81SC018204", "title": "2026 Volkswagen Jetta Sport", "year": 2026, "make": "Volkswagen", "model": "Jetta", "trim": "Sport", "decoded_trim": "Pro", "condition": "new", "price": 25109.0, "msrp": 38745.0, "sale_price": 25109.0, "currency": "USD", "mileage": 8, "exterior_color": "Pure White", "interior_color": "Titan 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 1.5 L/91", "engine_displacement_l": null, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 29, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "VD262209", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlevwdownersgrove.com/viewdetails/new/3vwbw7bu4tm051046/2026-volkswagen-jetta-4dr-car", "generated_at": "2026-07-26T16:50:21Z", "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 $13,636. This offer applies to Stock #VD262209, VIN 1V2DSPE81SC018204. 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: $38,745. Advertised price: $25,109. Savings: $13,636, 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": "$38,745"}, {"label": "Advertised price", "value": "$25,109"}, {"label": "Savings", "value": "$13,636, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $13,636", "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": "2026-07-26T16:50:47Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2DSPE81SC018204_finance_60", "type": "finance_60", "label": "Finance", "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 payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 509.46, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 30567.82, "finance_charge": 3889.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262209, VIN 1V2DSPE81SC018204. $509 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,568. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2DSPE81SC018204_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25109.0, "price_incl_doc": 25109.0, "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": 442.01, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 31824.77, "finance_charge": 5146.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262209, VIN 1V2DSPE81SC018204. $442 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,825. 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_1V2DSPE81SC018204_finance_84", "type": "finance_84", "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": 25109.0, "price_incl_doc": 25109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.03, "amount_financed": 26678.31, "sales_tax": 1569.31, "total_of_payments": 33266.41, "finance_charge": 6588.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262209, VIN 1V2DSPE81SC018204. $396 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,109, before any dealer documentation fee. Amount financed $26,678, including $1,569 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $33,266. 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_1V2DSPE81SC018204_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 131, "unit": "per_month", "display": "$131/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38745.0, "selling_price": 25109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 131.38, "net_cap_cost": 25784.0, "residual_value": 24021.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 131.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 291.38}, "total_of_payments": 4716, "total_of_payments_unrounded": 4729.68}, "disclosure": "Estimated lease payment for stock #VD262209, VIN 1V2DSPE81SC018204. $131 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $291, made up of $131 first payment, $60 title, $100 registration. MSRP $38,745. Lease selling price $25,109. Net capitalized cost $25,784. Residual value $24,022, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $4,716. 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"}, {"offer_id": "of_1V2DSPE81SC018204_lease", "type": "lease", "label": "Lease", "headline": {"value": 38, "unit": "per_month", "display": "$38/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38745.0, "selling_price": 25109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 675.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 38.09, "net_cap_cost": 22785.0, "residual_value": 24021.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 38.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3197.09}, "total_of_payments": 1368, "total_of_payments_unrounded": 1371.24}, "disclosure": "Estimated lease payment for stock #VD262209, VIN 1V2DSPE81SC018204. $38 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,197, made up of $38 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,745. Lease selling price $25,109. Net capitalized cost $22,785. Residual value $24,022, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $1,368. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 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": 20, "elapsed_ms": 333}}]}