It's hard to say without additional info. Few questions:
- Does the down payment include the $500 you previously paid to reserve the car
- Are you paying other fees at signing in addition to the downpayment (taxes, registration, dealer prep, etc.)?
- Did they itemize the other fees?
- Does the quotes include sales tax? What is the sales tax percentage?
- Is your MSRP $41,190, ($39,995 + $1,195 for destination)? Are you getting other options?