LR costs $48k, which is the most popular. Take $7500 off for tax credit, and you need to put down $4500 cash. So your loan is really $36k + taxes & fees.
Many credit unions have 5% rate, some even has lower.
72 months wold be $5700 at 5% - $1100 at 0.99% = $4600 savings.
36 months wold be...