: Some experts suggest a stricter 20% down , 3-year term , and 8% of income to minimize interest.

: Put 20% down , finance for no more than 4 years , and keep total monthly costs (including insurance) under 10% of your gross income .

: Factor in taxes, registration, and immediate maintenance (budgeting $100–$200 for an inspection can save $3,000–$8,000 in repairs). 2. Where to Find the Best Deals Kelley Blue Book