[guarnibl]

Originally Posted by Inprogress

So basically putting a down toward cap cost could burn me if i decide to swap the lease, get into a new car before my lease is up, or god forbid i get into a wreck of some sort early on in the lease right?

So why would anyone want to put down toward the cap cost? I imagine lowering the monthly payment is the only reason?

You nailed it -- it's a mental thing for the monthly payment IMO.

It does reduce the interest paid slightly, but it's immaterial and it's all about balancing risk for people. Depending on when the accident occurs in the lease period, you're at risk losing any money you put down towards the cap cost. Swapping the lease is the same risk, as you would have a tough time getting someone to give you (some of) that cash back.