A take-over means you take over someone else’s lease. The leasing company must approve you, and may charge a fee.
Ad $689→$1,127/mo all-inAll-in is what a month really costs: the ad’s $689 plus $438 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
Transfer fee $625, as the listing states (in the monthly).
The listed paymentSource: the Leasehackr private transfers thread, read Nov 1.$689The listed payment is what the ad says you pay each month, here $689.
Transfer fee ($625), spread over 18 monthsSource: the Leasehackr private transfers thread, read Nov 1. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.+ $35Money due at signing is spread over the months, here $35 a month.
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.+ $42Tax is what your state adds to the payment, here about $42 a month.
Miles: you drive 12,000 a year, the lease covers 8,878You drive 3,121 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $65 a month.Source: the Leasehackr private transfers thread, read Nov 1. Where the ad gives no per-mile rate, we use $0.25 a mile.+ $65Driving more miles than the lease gives costs extra, here $65 a month.
Insurance about $175 for the U.S. average (range $126 to $224). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a car (all powertrains) ($2,098 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $175 a month. Range $126 to $224. Full coverage, a typical driver with a clean record.Source: AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.+ $175Insurance: about $175 a month for this car at the U.S. average. Tap to type yours.
Electric: charging at home (about)12,000 mi a year÷about 1.5 mi/kWh(middle of the EPA figures for the 2025 HUMMER)=8,000 kWh×$0.1816 a kWh(EIA U.S. home electricity, August 2026)=$1,453 a year=$121 a monthcity 1.6 to highway 1.3 mi/kWhSource: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Nov 1.+ $121Charging: about $121 a month for the miles you drive. Tap to type your price.
Real Lease Cost™ (everything you pay, each month), each month$1,127All-in is what a month really costs: the ad’s $689 plus $438 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.
(payment, tax, miles, insurance and charging, added up) at 12,000 miles a year at U.S. average prices. The receipt adds every cost.
An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate
Listed in TX Take-overLeasehackr private transfersElectric Unknown Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
No photo for this model (electric)
Read from Leasehackr private transfers on Nov 1, 2026.
Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost 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.
You take over someone’s lease. You pay their last 18 months. The months and the miles are theirs, not new ones.
The leasing company must approve you.
Model year: 2025.
Miles left on the lease: about 13,300, as the listing states them.
Transfer fee: $625.
Real Lease Check™
How this price compares
Not enough similar cars today
Not enough similar cars today. We need at least 21 live deals of the same kind to compare, and we have 0.
This check looks at price only. It cannot say whether the car fits you.
The math behind this
There are too few similar cars today for a share.
Facts stated by the source on Nov 1, 2026.
The cheapest live car in the table is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $596 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 GMC HUMMER EV
Monthly payment in the ad
$689 plus tax
Months on the lease
18
Sticker price
not in the listing
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$724
Tax, each month
$42
Monthly cost after tax
$766
Lease cost over all the months, before tax
$13,025
Transfer fee, as stated
$625 spread over the months
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
8,879
Extra miles to reach your 12,000 a year
You drive 3,121 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $65 a month.
Insurance, our estimate
$175 a month for the U.S. average (range $126 to $224). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read Oct 31, 2026. Full coverage, a typical driver with a clean record. Source and date
Electricity, our estimate
$121 a month (about 1.5 mi/kWh, middle of the EPA figures for the 2025 HUMMER; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month
$1,127
Real Lease Cost, over all the months, our estimate
Card payment by Stripe. A tip to a company, not a donation, unlocks nothing. The card page shows our company, Ummah Media Group LLC.
Where these prices come from
Beignets, 3 pieces, Café du Monde, New Orleans: Café du Monde shop page, read Oct 31 2026. Photo of beignets at Café du Monde, 2014. Photo: Sunnya343, CC BY-SA 4.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 4.0.
Adeni chai, 20 oz, Qahwah House, Dearborn: Qahwah House order page (listing), read Oct 31 2026. The order page blocks automated reads; the price was read from that page's search listing on Oct 31 2026, not on the page itself. $7.86 is listed for the 20 oz Adeni chai and the 20 oz Mofawar. Qahwah House contact page (the Dearborn address): source. Photo of Arabic coffee, not Qahwah House's chai. Photo: Slywire, CC BY-SA 4.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 4.0.
Sourdough loaf, Rize Up Sourdough, San Francisco: Rize Up Sourdough product list, read Oct 31 2026. Photo of a sourdough loaf, not Rize Up's own. Photo: Nutrition, Food Safety & Health, CC0, via Wikimedia Commons.
The viral $60 rye, RYE by Martin Auer, SoHo, New York: The Guardian, Sep 28 2026, read Oct 31 2026. Photo of a 100% rye loaf, not RYE's own. Photo: Veganbaking.net, CC BY-SA 2.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 2.0.
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More deals like this (6 cars)
More GMC deals
Photo of this model, not this exact car.
2024 GMC Sierra EV Denali
Ad $726→$617/mo all-inAll-in is what a month really costs: the ad’s $726 less $109 the seller pays you, plus tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
Take-overElectric
You take over someone’s lease. You pay their last 15 months.
Transfer fee about $500 (in the monthly).
Needs the leasing company’s approval.
Only one site lists this. Check it before you pay.
Charging $70/mo: A typical figure for electric cars, not this car’s rating at U.S. average home rates.
Assumes you charge at home.
Ad$726
Real$617
Grey is the ad. VioletBlue is what we add. Gold stripes are our estimates. Dashed: cash the seller pays you.
The listed payment is $726 a month. The seller says they will pay you $7,000 to take it over, about $467 a month, which brings the real cost down to $617 a month with everything added.
The listed payment$726
Cash the seller says they will pay you, each month- $467
Transfer fee about $500 (the listing does not say), spread over 15 months+ $33
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $45
Miles: you drive 12,000 a year, the lease covers about 11,081 a year (from the miles left and months left)+ $19
Insurance (about) for the U.S. average (range $153 to $229). Type yours.+ $191
Electric: charging at home (about)+ $70
Real Lease Cost, each month$617
LeaseTrader, read Nov 1. Insurance and charging are estimates, not quotes. about = our guess.
Ad $300→$706/mo all-inAll-in is what a month really costs: the ad’s $300 plus $406 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
Take-overGas
You take over someone’s lease. You pay their last 12 months.
Transfer fee about $500 (in the monthly).
Needs the leasing company’s approval.
Only one site lists this. Check it before you pay.
Gas $164/mo: about 26 mpg (EPA), U.S. average price
The listed payment is $300 a month. With everything added, it is $706 a month. The biggest piece is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).
The listed payment$300
Transfer fee about $500 (the listing does not say), spread over 12 months+ $42
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $18
Miles: you drive 12,000 a year, the lease covers 22,686+ $0
Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
Gas (about)+ $164
Real Lease Cost, each month$706
SwapALease, read Oct 31. Insurance and gas are estimates, not quotes. about = our guess.
Photo of this model, not this exact car.
2024 GMC Hummer EV 2XCheapest of 12 Hummer offers nationwide
Ad $799→$832/mo all-inAll-in is what a month really costs: the ad’s $799 plus $33 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
Take-overElectricAbout even with similar cars
You take over someone’s lease. You pay their last 9 months.
Transfer fee about $500 (in the monthly).
Needs the leasing company’s approval.
Only one site lists this. Check it before you pay.
Charging $121/mo: EPA figure for this model at U.S. average home rates.
The listed payment is $799 a month. The seller says they will pay you $3,446 to take it over, about $383 a month. With everything added, the real cost is $832 a month.
The listed payment$799
Cash the seller says they will pay you, each month- $383
Transfer fee about $500 (the listing does not say), spread over 9 months+ $56
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $49
Miles: you drive 12,000 a year, the lease covers about 26,680 a year (from the miles left and months left)+ $0
Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home (about)+ $121
Real Lease Cost, each month$832
LeaseTrader, read Nov 1. Insurance and charging are estimates, not quotes. about = our guess.
2026 Audi Q3 3rd cheapest of 7 Q3 offers nationwide
Ad $499→$1,027/mo all-inAll-in is what a month really costs: the ad’s $499 plus $528 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
New leaseGas
A new lease from the dealer. You sign for 36 months.
$3,001 due at signing, besides the first payment (in the monthly).
Only one site lists this. Check it before you pay.
The listed payment is $499 a month. With everything added, it is $1,027 a month. The biggest piece is insurance, $205 a month (our estimate for the U.S. average, $165 to $245; type yours).
The listed payment$499
Fees due when you sign ($3,001), spread over 36 months+ $83
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $31
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance (about) for the U.S. average (range $165 to $245). Type yours.+ $205
Gas (about)+ $171
Real Lease Cost, each month$1,027
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Leasehackr Marketplace (broker offers), read Nov 1. Insurance and gas are estimates, not quotes. about = our guess.
Ad $479→$1,028/mo all-inAll-in is what a month really costs: the ad’s $479 plus $549 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
New leaseGas
A new lease from the dealer. You sign for 36 months.
Not in the ad: typical $2,843 due at signing used (in the monthly). Ask before you sign.
Only one site lists this. Check it before you pay.
Gas $240/mo: about 22 mpg (EPA), U.S. average price
The listed payment is $479 a month. With everything added, it is $1,028 a month. The biggest piece is our gas estimate, $240 a month.
The listed payment$479
Money due at signing: the ad does not say. We added $79 a month, the typical amount (median of 123 ads that state it in the same price band, read Oct 30 to Nov 1).+ $79
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $29
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
Gas (about)+ $240
Real Lease Cost, each month$1,028
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes. about = our guess.
2025 INFINITI QX55
A drawing of this kind of car, not a photo of it.
2025 INFINITI QX55 Cheapest of 2 QX55 offers nationwide
Ad $509→$1,030/mo all-inAll-in is what a month really costs: the ad’s $509 plus $521 for tax, fees, miles, insurance and gas. Insurance and gas are estimates.estimate
New leaseGas
A new lease from the dealer. You sign for 36 months.
Not in the ad: typical $2,843 due at signing used (in the monthly). Ask before you sign.
Only one site lists this. Check it before you pay.
The listed payment is $509 a month. With everything added, it is $1,030 a month. The biggest piece is our gas estimate, $211 a month.
The listed payment$509
Money due at signing: the ad does not say. We added $79 a month, the typical amount (median of 123 ads that state it in the same price band, read Oct 30 to Nov 1).+ $79
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $31
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance (about) for the U.S. average (range $145 to $217). Type yours.+ $181
Gas (about)+ $211
Real Lease Cost, each month$1,030
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes. about = our guess.
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