$1,028 a month all-in (payment, tax, miles, insurance and charging, added up) at 12,000 miles a year at U.S. average prices. The ad says $696. The receipt adds every step between the two.
Listed in CA Take-overSwapALeaseelectric Truck Seen in one place only
One public site lists this deal. No second site confirms it.
Truck, electric body style, no photo for this model
Read from SwapALease on 2026-10-30. Tax status not recorded, so tax is added here (tax assumed).
Confirm every number with the seller or the leasing company before you commit. The all-in figure leaves out
registration, wear and tear, and excess miles beyond your target. See how we score.
Listing facts belong to the source. If this row should be corrected or removed, write to
takedown@realleasecost.com.
The receipt
The ad saysSource: The listing itself, from 12 public sites. Newest read Oct 30.$696
Transfer fee we assumed ($500), spread over 16 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 30.+ $31
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30.+ $42
Miles: you drive 12,000 a year, the lease covers 17,731The lease covers your miles, so extra miles cost nothing.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 30.+ $0
Insurance, our estimate for the U.S. average: $189 (range $136 to $242). Your own quote may differ. Type yours.We use the middle of the range. Full coverage, a typical driver with a clean record.Source: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.+ $189
Charging at home, our estimate2.6 mi/kWh at $0.1816/kWh; EIA U.S. residential average, August 2026 (read 2026-10-30)Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $70
The cheapest live car in the table is the 2026 Toyota Corolla at $527 all-in. This car is $501 a month more than that.
The full math, line by line
This table is priced at 12,000 miles a year and U.S. average prices.
The math for 2025 Ford F 150 Lightning XLT
Monthly payment in the ad
$696 plus tax
Months on the lease
16
Sticker price
not in the listing
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$727
Tax, each month
$42
Monthly cost after tax
$769
Lease cost over all the months, before tax
$11,633
Transfer fee, our estimate
$500 spread over the months. The source did not state one; confirm with the leasing company.
Cash the seller says they will pay you
$0
Money you pay up front
not stated by the source, counted as $0 until you confirm
Miles a year the lease allows
17,732
Extra miles to reach your 12,000 a year
The lease covers your miles, so extra miles cost nothing.
Insurance, our estimate
$189 a month for the U.S. average (range $136 to $242). We use the middle of the range. Source: our class estimate, fitted to The Zebra's model quotes, read 2026-10-19. Full coverage, a typical driver with a clean record. Source and date
Electricity, our estimate
$70 a month (2.6 mi/kWh at $0.1816/kWh, EIA U.S. residential average, August 2026 (read 2026-10-30)) kWh: a unit of electricity, like a gallon for gas.
All in, each month
$1,028
All in, over all the months, our estimate
$16,448
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
When it ends
Lease ends about Feb 2028 (16 months left)
MSRP
not in the listing
Cap reduction
not stated
Effective monthly, before tax
$727
Effective monthly, after tax
$769
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$612a month, everything in
Take-over
You take over someone’s lease. You pay their last 20 months.
Needs the leasing company’s approval.
Lease ends Jun 2028 (20 months left)
20 months left, about $12,200 in all. Transfer fee $500 (assumed).
The ad says $319 a month. With everything added, it is $612 a month. Most of the difference is insurance, $190 a month (our estimate for the U.S. average, $150 to $230; type yours).
The ad says$319
Transfer fee we assumed ($500), spread over 20 months+ $25
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $19
Miles: you drive 12,000 a year, the lease covers 14,646+ $0
Insurance, our estimate for the U.S. average (range $150 to $230). Type yours.+ $190
Charging at home, our estimate+ $59
All in, each month$612
LeaseTrader, read Oct 30. Insurance and charging are estimates, not quotes.
Photo: Mariordo (Mario Roberto Durán Ortiz), CC BY-SA 4.0
Photo of this model from another year, not this exact car.
2024 Ford F-150 Lightning XLT
$745a month, everything in
Take-over
You take over someone’s lease. You pay their last 20 months.
Needs the leasing company’s approval.
Lease ends Jul 2028 (20 months left)
20 months left, about $14,900 in all. Transfer fee $500 (assumed).
The ad says $420 a month. With everything added, it is $745 a month. Most of the difference is insurance, $189 a month (our estimate for the U.S. average, $136 to $242; type yours).
The ad says$420
Transfer fee we assumed ($500), spread over 20 months+ $25
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $25
Miles: you drive 12,000 a year, the lease covers 15,613+ $0
Insurance, our estimate for the U.S. average (range $136 to $242). Type yours.+ $189
Charging at home, our estimate+ $86
All in, each month$745
LeaseTrader, read Oct 30. Insurance and charging are estimates, not quotes.
The ad says $420 a month. With everything added, it is $778 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The ad says$420
Transfer fee we assumed ($500), spread over 31 months+ $16
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $25
Miles: you drive 12,000 a year, the lease covers 13,726+ $0
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Gas, our estimate+ $142
All in, each month$778
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $430 a month. With everything added, it is $928 a month. The biggest piece is insurance, $172 a month (our estimate for the U.S. average, $124 to $220; type yours).
The ad says$430
Transfer fee we assumed ($500), spread over 21 months+ $143
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $25
Miles: you drive 12,000 a year, the lease covers 12,897+ $0
Insurance, our estimate for the U.S. average (range $124 to $220). Type yours.+ $172
Gas, our estimate+ $158
All in, each month$928
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $321 a month. With everything added, it is $930 a month. The biggest piece is insurance, $215 a month (our estimate for the U.S. average, $170 to $260; type yours).
The ad says$321
Money due when you sign ($3,314), spread over 24 months+ $138
Tax, at the rate the ad states+ $30
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $170 to $260). Type yours.+ $215
Gas, our estimate+ $188
All in, each month$930
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $519 a month. With everything added, it is $930 a month. The biggest piece is insurance, $172 a month (our estimate for the U.S. average, $124 to $220; type yours).
The ad says$519
Transfer fee we assumed ($500), spread over 10 months+ $50
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $31
Miles: you drive 12,000 a year, the lease covers 20,412+ $0
Insurance, our estimate for the U.S. average (range $124 to $220). Type yours.+ $172
Gas, our estimate+ $158
All in, each month$930
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
