git:20260922.09bd4b1 to git:20260922.29f995b

---

name: close-day-checklist

description: Use when buyer is ready to close (signing today/tomorrow), needs the day-of checklist for cash / financing / trade-in / EV / pickup buyers, F&I add-on refusal script, and timing of cashier's check / lien payoff / plate transfer. Triggers include "ready to close", "close day checklist", "F&I add-on refusal", "lien payoff timing", "提车清单", "准备签约", and Spanish phrases "lista para el dia de firma", "listo para cerrar el trato".

---

# Close Day Checklist

## When To Use

- Buyer is signing today or tomorrow and needs a sub-checklist by buyer type

- Buyer wants the F&I add-on refusal script to read verbatim at the F&I desk

- Buyer has a trade with active lien and needs the payoff workflow

- Buyer is an EV buyer and needs day-of EV mechanics (state rebate paperwork, battery/SoH, charging, NOTE: federal §30D POS credit transfer is TERMINATED 2025-09-30, historical only)

- Buyer is buying a pickup and needs the truck-specific PPI quick checklist

## When NOT To Use

## Close-Day Re-Confirmation (do this BEFORE buyer drives to dealer)

- Bank cut-off + branch + hours (cashier's check issued same morning?)

- Insurance carrier (for binder + policy number)

- Available time windows on close day

- ID set (driver's license, secondary ID, proof of residence)

- Funding instrument (cash, cashier's check, wire, captive financing, CU financing)

Any change since Phase 1 (carrier switched, branch closed for holiday, plate decision flipped) must be caught NOW, not at the dealer.

## Sub-Checklist by Buyer Type

### Cash buyer

Pre-arrival (T-1 day):

- [ ] Insurance binder issued; policy number in hand

- [ ] Plate decision finalized (transfer vs new)

- [ ] VIN re-verified against latest dealer paperwork (no last-minute substitution per gotcha D10)

- [ ] PPI complete (`../orchestrator/references/ppi_booking.md` - mobile inspector preferred)

On-site (close day):

- [ ] OTD breakdown in signed agreement matches counter-locked numbers exactly

- [ ] No padded add-ons (paint protection / nitrogen / etching / VIN etching / theft deterrent)

- [ ] F&I hard-no script ready (see below)

Post-close (T+1 to T+30):

- [ ] Insurance binder converted to permanent policy

### Financing buyer

Pre-arrival:

- [ ] If CU: funding instrument (cashier's check or wire) confirmed pre-close; first-payment date confirmed

- [ ] Down payment instrument confirmed (cash, debit, or cashier's check)

On-site:

- [ ] Monthly payment math verified at close matches binding-constraint formula

- [ ] APR and term on the contract match pre-approval terms

- [ ] No "payment-packing" via extended warranty or GAP rolled into monthly (see F&I script)

Post-close:

- [ ] If CU loan: title issued to buyer with CU lien notation; CU receives title via mail

- [ ] If captive: title goes to captive direct; buyer's name on registration

### Trade-in buyer

Pre-arrival (cross-ref `../orchestrator/references/trade_in.md` section 4a-4d if active lien):

- [ ] If lien: 10-day payoff letter from lien-holder in hand (NOT dealer's quote)

- [ ] All personal items removed; both key fobs ready

On-site:

- [ ] Bill-of-sale shows: trade allowance, lien payoff routing, dealer commitment date

- [ ] No shell-game: ACV and trade allowance NOT confused; sale price and trade negotiated separately

### EV buyer

> **⚠️ Federal §30D POS credit transfer is TERMINATED 2025-09-30 (OBBBA / Public Law

> 119-21).** For any 2026 purchase there is **NO federal $7,500 §30D credit**, no IRS

> ECO registration check, no Form 8936, no Time of Sale report, no $7,500 line item to

> verify at close. Do NOT expect or insert a federal credit line in the signed agreement.

> The §30D items below are retained as **HISTORICAL** (pre-2025-10-01 acquisitions only).

> The only live close-day EV incentive layer is **state/local rebates**, see the bottom

> of this checklist and the CRITICAL banner in `ev-buyer-helper`.

Pre-arrival (LIVE in 2026, cross-ref `../orchestrator/references/ev_buyer_playbook.md`):

- [ ] Battery warranty docs reviewed (new EV) OR SoH report obtained (used EV) per section 6

- [ ] State EV rebate eligibility + paperwork confirmed (MSRP/income caps per state; this is the only live incentive)

Pre-arrival (HISTORICAL, pre-2025-10-01 acquisitions only; §30D terminated 2025-09-30, do NOT use for 2026):

- [ ] ~~Dealer is IRS Energy Credits Online registered~~ (N/A, §30D terminated)

- [ ] ~~Form 8936 ready for signing~~ (N/A, §30D terminated)

- [ ] ~~MAGI under threshold confirmed ($150k single / $300k joint for new; $75k / $150k for used)~~ (N/A, §30D/§25E terminated)

On-site (LIVE in 2026):

- [ ] Battery warranty registered to buyer at delivery (new EV)

- [ ] No EV Prep / Battery Conditioning / Charge Cable / EV Delivery Setup ADM line items per gotcha D9 + `../orchestrator/references/ev_buyer_playbook.md` section 8

On-site (HISTORICAL, pre-2025-10-01 acquisitions only; do NOT apply to a 2026 close):

- [ ] ~~$7,500 reduction shown as separate line item on signed agreement~~ (N/A, §30D terminated; no federal credit line should appear)

- [ ] ~~Time of Sale report copy retained~~ (N/A, §30D terminated)

Post-close:

### Pickup-truck buyer

Pre-arrival (cross-ref `../orchestrator/references/vertical_playbooks.md#part-1-pickup-truck-specifics`):

On-site:

- [ ] Factory vs aftermarket hitch distinction confirmed in writing

Read verbatim or hand printed copy at the F&I (Finance & Insurance) desk when add-ons are pitched after the OTD is locked in writing. Plain ASCII, NO markdown:

```

Per my signed agreement dated {DATE} with {GM_OR_SALES_MGR_NAME},

the OTD is locked at ${OTD}. I decline GAP, VSC, tire-and-wheel,

paint protection, key replacement, nitrogen, dent / ding, and any

other add-on not in the original agreement. Please process the

close at the agreed OTD, or I will exit and we will both lose

time. Repeat: NO add-ons. I will sign only the original

agreement.

{BUYER_NAME}

```

### If F&I pushes anyway (reframe)

```

My agreement is OTD-locked, not monthly-locked. Adding $18/mo for

72 months is $1,296, not a small amount. I decline.

Please show me the line item in my signed agreement that

authorizes this charge. If it's not there, remove it; if you

cannot remove it, I will exit and the deal is dead. Per my OTD

lock at ${OTD}, adding anything constitutes a new deal that I have

not agreed to.

{BUYER_NAME}

```

| English (source of truth) | Spanish (spoken) | Note |

|---|---|---|

| OTD / out-the-door price | precio final / precio total ("out the door") | keep "OTD" alongside; dealers use the English acronym |

| doc fee | cargo por documentacion | dealer charge, not a government fee |

| trade-in | vehiculo a cuenta / vehiculo de intercambio | "a cuenta" = applied as credit |

| down payment | enganche / pago inicial | "enganche" is the common term |

| cashier's check | cheque de caja (= cheque de gerencia) | both names = one instrument |

| GAP insurance | seguro GAP (Proteccion Garantizada para Auto) | "seguro GAP" is standard in US docs |

| extended warranty / VSC | garantia extendida / contrato de servicio vehicular | |

| tire-and-wheel | proteccion de llantas y rines | |

| paint protection | proteccion de pintura | |

| ceramic coating | recubrimiento ceramico | |

| key replacement | reemplazo de llave | |

| nitrogen (tire fill) | nitrogeno (en las llantas) | |

| dent / ding (PDR) | reparacion de abolladuras sin pintura | |

> Regional vocabulary note (say what the buyer says): the word for "car" varies by region,

> **carro** (Mexico / Central America / Caribbean), **coche** (Spain / Southern Cone),

> **auto** (neutral, understood everywhere). Mirror the buyer's own word; the scripts

> below use the neutral **vehiculo** to stay region-safe. Technical product names

> (seguro GAP, garantia extendida, doc fee, OTD) stay fixed regardless of region.

**Spanish (ES), hard-no, spoken:**

```

Segun mi acuerdo firmado con fecha {DATE} con {GM_OR_SALES_MGR_NAME},

el precio final (OTD) esta fijado en ${OTD}. Rechazo el seguro GAP,

la garantia extendida (contrato de servicio), la proteccion de

llantas y rines, la proteccion de pintura, el recubrimiento

ceramico, el reemplazo de llave, el nitrogeno, la reparacion de

abolladuras, y cualquier otro complemento que no este en el acuerdo

original. Por favor cierre la venta al OTD acordado, o me retiro y

los dos perdemos el tiempo. Repito: ningun complemento. Solo firmo

el acuerdo original.

{BUYER_NAME}

```

**Spanish (ES), if F&I pushes anyway (reframe), spoken:**

```

Mi acuerdo esta fijado por el OTD, no por el pago mensual. Agregar

$18 al mes por 72 meses son $1,296, no es poca cosa. Lo rechazo.

Por favor muestreme la linea en mi acuerdo firmado que autoriza

este cargo. Si no esta ahi, quitelo; si no puede quitarlo, me retiro

y el trato se cae. Segun mi OTD fijado en ${OTD}, agregar cualquier

cosa es un trato nuevo que yo no he aceptado.

{BUYER_NAME}

```

**Chinese (ZH), hard-no, spoken:**

```

根据我在 {DATE} 与 {GM_OR_SALES_MGR_NAME} 签署的协议,

落地总价 (OTD) 已锁定为 ${OTD}。我拒绝 GAP 保险、延长保修

(服务合同)、轮胎轮毂保障、车漆保护、陶瓷镀膜、配钥匙、

氮气充气、凹痕修复,以及任何不在原始协议中的附加项目。

请按约定的 OTD 完成成交,否则我会离开,我们都浪费时间。

重申:不要任何附加项目。我只签原始协议。

{BUYER_NAME}

```

**Chinese (ZH), if F&I pushes anyway (reframe), spoken:**

```

我的协议锁的是 OTD 总价,不是月供。每月加 $18、分 72 期就是

$1,296,不是小数目。我拒绝。

请在我签署的协议里指出哪一行授权了这笔费用。没有就删掉;

删不掉我就离开,这笔交易作废。按我锁定的 OTD ${OTD},

加任何东西都是我没同意过的新交易。

{BUYER_NAME}

```

- Confirm locked OTD with agreement date

- Decline list (GAP, VSC, tire-and-wheel, paint, key, nitrogen, dent/ding)

- Close-day logistics: time window, funding instrument, insurance binder, plate decision, ID set

## Universal Cross-References

| Need | Open |

|---|---|

| Lien payoff full workflow | `../orchestrator/references/trade_in.md` section 4a-4d |

| EV federal credit status (§30D/§25E/§45W all TERMINATED 2025-09-30, historical) + live state rebates | `../orchestrator/references/ev_buyer_playbook.md` section 1; `ev-buyer-helper` CRITICAL banner |

| Financing close-day instruments | `../orchestrator/references/payment_methods.md` |

| CPO enrollment at close | per-OEM CPO programs in `../orchestrator/references/` (subaru_cpo_program.md, honda_cpo_program.md, etc.) |

| Lease-end options | `../orchestrator/references/lease_playbook.md` section Lease-end options |

## Stop Conditions

When installed through directory links, resolve this SKILL.md to its source directory before following relative file paths. Those paths refer to the repository layout.