Your dealer is using the lease calculator, 5.4% interest and a residual of 58%I did not try applying for credit directly on Ford.com. I did use the online calculator. I could not estimate an FE. However, for a premium with MSRP $56,640, 12,000 miles per year, ($10,550 down payment) , and total financing of $45,090, at 2.25%, with $1000 incentive included, the Monthly payment estimated was $643.91. Ballon was $24,921. See attachment.
My FE MSRP is$ 59400, and I am putting $18,000 down, for a 36 month Ford Option with 12K miles per year.
Attached is the "Ford Option" Payment Estimation that my dealer used today for a 36 month 12K miiles with $18,000 down payment. There is no $1000 cash incentive with this deal and the interest rate is 5.4. Monthly $485.73 (see attachment ) and the balloon is $34,452. (58% of MSRP $59,400).