Truecar will probably work but you can also get this information from Edmunds which will also factor in the rebates. You can see what the final sales figure will be that others are paying. I view that as a reasonable deal and you don't need to negotiate. You can print it out and lay it on the table and if he doesn't meet the price you can walk out and go to another dealer. 99 times out of a 100 he will take the deal since he knows you have researched the price. $14,000 is a very good down payment but you might not need that much. You might consider if any additional low financing is available and invest your money in securities or higher yielding instruments and work off the bank's money. That depends on your credit worthiness. The better your credit score the lower your rate. Credit is not bad if you use it wisely. However, if one is in hock up to their eyeballs with credit cards maxed out they are courting disaster. You seem to be in the driver's seat. Good luck!