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  "title": "2026 Volkswagen Atlas 2.0T SE w/Technology",
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  "exterior_color": "Opal White Pearl",
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  "transmission": "8-Speed Automatic w/OD",
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  "mpg_hwy": 26,
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    "model": "Atlas",
    "year": 2026,
    "trim": "4Motion SE",
    "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)",
    "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)",
    "engine": "2.0L 4-Cylinder",
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    "cylinders": 4,
    "drive_type": "AWD",
    "fuel_type": "Gasoline",
    "doors": 4
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    "source_vdp_url": "https://www.castlevwcars.com/viewdetails/new/1v2hn2ca5tc585342/2026-volkswagen-atlas-sport-utility",
    "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."
  },
  "dealer": {
    "name": "Castle Volkswagen of Schaumburg",
    "short_name": "Castle Volkswagen of Schaumburg",
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    "state": "IL",
    "address": "1000 E Golf Rd",
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    "website": "https://www.castlevwcars.com"
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  "price_max_age_hours": 48,
  "price_disclosure": {
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    "template_id": "price.v1",
    "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.",
    "full": "This offer applies to Stock #W4663, VIN 1V2HN2CA5TC585342. Advertised price: $49,093. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.",
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  "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.",
  "disclosure_version": "1.0.0",
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      "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
      "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."
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        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
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          "apr": 5.49,
          "tax_rate": 0.0625,
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          "sales_tax": 3068.31,
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          "due_at_signing": {
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          "apr": 5.99,
          "tax_rate": 0.0625,
          "zip": "60173",
          "program_code": null,
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          "amount_financed": 52161.31,
          "sales_tax": 3068.31,
          "total_of_payments": 62223.65,
          "finance_charge": 10062.34,
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          "due_at_signing": {
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            "title": 60,
            "registration": 100,
            "total": 160
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        "substantiation_complete": true,
        "unsubstantiated_values": null,
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        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
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          "apr": 6.49,
          "tax_rate": 0.0625,
          "zip": "60173",
          "program_code": null,
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          "amount_financed": 52161.31,
          "sales_tax": 3068.31,
          "total_of_payments": 65042.34,
          "finance_charge": 12881.03,
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          "due_at_signing": {
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            "total": 160
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        "substantiation_complete": true,
        "unsubstantiated_values": null,
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          "validator_version": "1.1.0"
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        "engine_version": "beacon-offer-engine/1.0",
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          "unit": "per_month",
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        "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
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          "selling_price": 49093.0,
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          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": null,
          "zip": "60173",
          "program_code": null
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          "net_cap_cost": 49768.0,
          "residual_value": 30437.66,
          "apr_equivalent": 3.6,
          "due_at_signing": {
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            "downPayment": 0,
            "upfrontTax": 0,
            "title": 60,
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            "total": 858.34
          },
          "total_of_payments": 25128,
          "total_of_payments_unrounded": 25140.24
        },
        "disclosure": "Estimated lease payment for stock #W4663, VIN 1V2HN2CA5TC585342. $698 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $858, made up of $698 first payment, $60 title, $100 registration. MSRP $49,093. Lease selling price $49,093. Net capitalized cost $49,768. Residual value $30,438, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $25,128. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60173. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
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          "severity": "medium",
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            "doc_fee_missing"
          ],
          "checks_run": 22,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_1V2HN2CA5TC585342_lease",
        "type": "lease",
        "label": "Lease",
        "headline": {
          "value": 605,
          "unit": "per_month",
          "display": "$605/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "doc_fee_policy_unknown",
          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_flag",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "msrp": 49093.0,
          "selling_price": 49093.0,
          "cap_cost_reduction": 2999.0,
          "residual_pct": 62.0,
          "money_factor": 0.0015,
          "acquisition_fee": 675.0,
          "term": 36,
          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": null,
          "zip": "60173",
          "program_code": null
        },
        "outputs": {
          "monthly_payment": 605.05,
          "net_cap_cost": 46769.0,
          "residual_value": 30437.66,
          "apr_equivalent": 3.6,
          "due_at_signing": {
            "firstPayment": 605.05,
            "downPayment": 2999,
            "upfrontTax": 0,
            "title": 60,
            "registration": 100,
            "total": 3764.05
          },
          "total_of_payments": 21780,
          "total_of_payments_unrounded": 21781.8
        },
        "disclosure": "Estimated lease payment for stock #W4663, VIN 1V2HN2CA5TC585342. $605 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,764, made up of $605 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,093. Lease selling price $49,093. Net capitalized cost $46,769. Residual value $30,438, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $675. Total of payments $21,780. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60173. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 22,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      }
    ],
    "suppressed": null,
    "counts": {
      "offers": 5,
      "suppressed": 0,
      "advertisable": 0
    },
    "engine_calls": 32,
    "elapsed_ms": 396
  }
}