Sorry I should have clarified on the pricing. $19100 is with the $1000 Kia finance rebate of 3.9%. So its basically $20,100. I do not qualify for the $400 military rebate so could not get that. I will try to put as much money down so as to reduce the interest payment but I think the car salesman told me that there is a limit to that and at least 12k or so should be financed by Kia so that they can make some money on interest and that the loan cannot be paid in full until 6 months.