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  "title": "2026 Volkswagen Tiguan SE R-Line Black",
  "year": 2026,
  "make": "Volkswagen",
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  "currency": "USD",
  "mileage": 6,
  "exterior_color": "Monterey Blue w/Deep Black Roof",
  "interior_color": "Grigio & Black",
  "drivetrain": "AWD",
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  "fuel_type": "Gasoline Fuel",
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  "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",
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  "mpg_hwy": 30,
  "range_miles": null,
  "battery_kwh": null,
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    "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)",
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    "engine_displacement_l": 2.0,
    "cylinders": 4,
    "drive_type": "AWD",
    "fuel_type": "Gasoline",
    "doors": 4
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    "source_vdp_url": "https://www.castlevwdownersgrove.com/viewdetails/new/3vvgr7rm1tm115907/2026-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",
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    "website": "https://www.castlevwdownersgrove.com"
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  "price_includes_doc_fee": null,
  "doc_fee": null,
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  "price_advertisable": false,
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  "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
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  "price_disclosure": {
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    "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": [
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    "required_missing_keys": [],
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    "substantiated": true,
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    "advertisable": true,
    "estimate_only": false,
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  "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.",
  "disclosure_version": "1.0.0",
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      "price_stale": true,
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      "price_max_age_hours": 48,
      "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
      "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."
    },
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          "unit": "per_month",
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        "advertisable": false,
        "not_advertisable_because": [
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          "provenance_estimated",
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        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
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          "price_incl_doc": 38500.0,
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          "apr": 5.49,
          "tax_rate": 0.0625,
          "zip": "60515",
          "program_code": null,
          "credit_tier": "Excellent"
        },
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          "amount_financed": 40906.25,
          "sales_tax": 2406.25,
          "total_of_payments": 46870.09,
          "finance_charge": 5963.84,
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          "due_at_signing": {
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            "title": 60,
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            "total": 160
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        "unsubstantiated_values": null,
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        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
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          "price_incl_doc": 38500.0,
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          "apr": 5.99,
          "tax_rate": 0.0625,
          "zip": "60515",
          "program_code": null,
          "credit_tier": "Excellent"
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          "amount_financed": 40906.25,
          "sales_tax": 2406.25,
          "total_of_payments": 48797.4,
          "finance_charge": 7891.15,
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          "due_at_signing": {
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            "title": 60,
            "registration": 100,
            "total": 160
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        },
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        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
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          "validator_version": "1.1.0"
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        "engine_version": "beacon-offer-engine/1.0",
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      {
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          "unit": "per_month",
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        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
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          "apr": 6.49,
          "tax_rate": 0.0625,
          "zip": "60515",
          "program_code": null,
          "credit_tier": "Excellent"
        },
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          "amount_financed": 40906.25,
          "sales_tax": 2406.25,
          "total_of_payments": 51007.89,
          "finance_charge": 10101.64,
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          "due_at_signing": {
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            "title": 60,
            "registration": 100,
            "total": 160
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        },
        "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,
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          "validator_version": "1.1.0"
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        "engine_version": "beacon-offer-engine/1.0",
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          "unit": "per_month",
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        "estimate": true,
        "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
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          "selling_price": 38500.0,
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          "residual_pct": 62.0,
          "money_factor": 0.0015,
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          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": null,
          "zip": "60515",
          "program_code": null
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          "net_cap_cost": 39175.0,
          "residual_value": 26050.54,
          "apr_equivalent": 3.6,
          "due_at_signing": {
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            "downPayment": 0,
            "upfrontTax": 0,
            "title": 60,
            "registration": 100,
            "total": 651.31
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          "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. 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": 216
  }
}