What is Gross Capitalized Cost? Breaking Down Your Lease Quote
Gross Capitalized Cost includes the selling price plus all capitalized fees. Learn what should (and shouldn't) be included in your Gross Cap Cost.
Term: Gross Capitalized Cost
Gross Capitalized Cost is the total amount being financed in your lease before any reductions. It includes the negotiated selling price plus any fees or add-ons rolled into the lease. Watch for hidden add-ons that inflate this number beyond the vehicle price.
Verdict: Legitimate
N/A - This is the total amount financed
What's Included in Gross Cap Cost
Should Be Included:
- • Negotiated vehicle price
- • Acquisition fee ($595-$1,295)
- • Doc fee (per state limits)
✗ Watch for Hidden Add-Ons:
- • Dealer prep/PDI fees
- • Protection packages
- • VIN etching, nitrogen fill
- • Undisclosed accessories
How to Verify Your Gross Cap Cost
- • Start with MSRP: Your negotiated price should be at or below MSRP
- • Add only legitimate fees: Acquisition fee + doc fee
- • Question any difference: If Gross Cap Cost is higher than expected, ask for itemization
- • Decline add-ons: Remove any fees you didn't agree to
Red Flag
If the Gross Cap Cost is more than $1,000 above [Selling Price + Acquisition Fee + Doc Fee], demand an itemization. Hidden add-ons are often buried here without disclosure.