Pre-Owned 2020 Chevrolet Colorado ZR2
- VIN: 1GCGTEEN0L1163902
- Stock: F35288
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Details Form Opened
Details
Pre-Owned 2020 Chevrolet Colorado ZR2
VIN: 1GCGTEEN0L1163902STOCK: F35288Basic Info
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Exterior:Black
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Drivetrain:4WD
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Interior:Jet Black
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Transmission:8-Speed Automatic
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Engine:V6
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Fuel Efficiency:16 CITY / 18 HWY
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Mileage:87,114
Key Features
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AWD
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Android Auto
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Apple CarPlay
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Automatic Climate Control
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Backup Camera
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Bluetooth
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Heated Seats
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Keyless Entry
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Power Seats
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Premium Audio
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Satellite Radio Ready
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Side-Impact Air Bags
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Tow Package
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WiFi Hotspot
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Wireless Phone Charging
History Report
Description
2020 Chevrolet Colorado ZR2 Crew Cab 4WD Midnight Special Edition | V6 | Off-Road Package | Grote Automotive Fort Wayne
Exterior: Black
Trim: ZR2 Midnight Special Edition
Take your adventures off the pavement with this 2020 Chevrolet Colorado ZR2 Crew Cab 4x4, available at Grote Automotive in Fort Wayne, Indiana! This rugged midsize pickup combines powerful V6 performance, serious off-road capability, and premium comfort. Equipped with the ZR2 Midnight Special Edition, ZR2 Off-Road Package, 3.6L V6 engine, leather seats, heated front seats, heated steering wheel, navigation, premium audio, and heavy-duty trailering package, this Colorado is ready for work and adventure!
Vehicle Specifications
Year: 2020
Make/Model: Chevrolet Colorado
Trim: ZR2
Engine: 3.6L V6
Transmission: 8-Speed Automatic
Drivetrain: Four-Wheel Drive (4WD)
Cab: Crew Cab
Bed: Medium Bed
Exterior: Black
Body Style: Midsize Pickup Truck
Performance & Off-Road Capability
Powerful 3.6L V6 Engine
Smooth 8-Speed Automatic Transmission
Advanced Four-Wheel Drive
ZR2 Off-Road Package
2-Speed Electronic Transfer Case
Locking Differential
Heavy-Duty Trailering Package
Integrated Trailer Brake Controller
Factory Tow Hitch & Tow Hooks
All-Terrain Tires
Protective Transfer Case Shield
4-Wheel Anti-Lock Disc Brakes
Electronic Stability & Traction Control
Factory Packages & Options
ZR2 Midnight Special Edition
Blacked-Out Exterior Appearance
Upgraded Aluminum Alloy Wheels
Aggressive ZR2 Off-Road Styling
ZR2 Off-Road Package
Off-Road Suspension and Capability
All-Terrain Tires
Off-Road Protection Equipment
Heavy-Duty Trailering Package
Factory Tow Hitch
Integrated Trailer Brake Controller
Trailering Equipment
Interior Comfort & Convenience
Premium Leather Seating
Heated Front Seats
Heated Leather-Wrapped Steering Wheel
Power Driver Seat with Lumbar Support
Power Passenger Seat
Remote Engine Start
Keyless Entry
Automatic Climate Control
Power Windows and Door Locks
Auto-Dimming Rearview Mirror
Spacious Crew Cab Interior
Rear Bench Seating
Technology & Entertainment
Chevrolet Touchscreen Infotainment
Integrated Navigation System
Apple CarPlay & Android Auto
Bluetooth Hands-Free Connectivity
Premium Audio System
Rearview Backup Camera
Wireless Phone Charging Capability
WiFi Hotspot Capability
HD Radio & Satellite Radio
Steering Wheel Audio Controls
6-Speaker Audio System
Safety & Security Features
Rearview Backup Camera
Electronic Stability Control
Traction Control
Anti-Lock Braking System
Integrated Trailer Brake Controller
Tire Pressure Monitoring System
Tire Fill Alert
Multiple Airbags
Vehicle Security System
Theft-Deterrent Immobilizer
Exterior Highlights
Black Exterior
ZR2 Midnight Special Edition
Aluminum Alloy Wheels
All-Terrain Tires
Factory Bed Liner
Heavy-Duty Tow Hitch
Front Tow Hooks
Heated Power Mirrors
Sliding Rear Window
EZ-Lift and Lower Tailgate
Projector-Style Headlights
Daytime Running Lights
Why Buy from Grote Automotive Fort Wayne?
Looking for a used 2020 Chevrolet Colorado ZR2 4WD for sale in Fort Wayne, Indiana? Grote Automotive offers quality pre-owned trucks, SUVs, and cars. Proudly serving Fort Wayne, New Haven, Auburn, Columbia City, Huntington, Warsaw, and surrounding Northeast Indiana communities!
This 2020 Chevrolet Colorado ZR2 Midnight Edition 4x4 delivers exceptional off-road performance, V6 power, premium comf
Exterior: Black
Trim: ZR2 Midnight Special Edition
Take your adventures off the pavement with this 2020 Chevrolet Colorado ZR2 Crew Cab 4x4, available at Grote Automotive in Fort Wayne, Indiana! This rugged midsize pickup combines powerful V6 performance, serious off-road capability, and premium comfort. Equipped with the ZR2 Midnight Special Edition, ZR2 Off-Road Package, 3.6L V6 engine, leather seats, heated front seats, heated steering wheel, navigation, premium audio, and heavy-duty trailering package, this Colorado is ready for work and adventure!
Vehicle Specifications
Year: 2020
Make/Model: Chevrolet Colorado
Trim: ZR2
Engine: 3.6L V6
Transmission: 8-Speed Automatic
Drivetrain: Four-Wheel Drive (4WD)
Cab: Crew Cab
Bed: Medium Bed
Exterior: Black
Body Style: Midsize Pickup Truck
Performance & Off-Road Capability
Powerful 3.6L V6 Engine
Smooth 8-Speed Automatic Transmission
Advanced Four-Wheel Drive
ZR2 Off-Road Package
2-Speed Electronic Transfer Case
Locking Differential
Heavy-Duty Trailering Package
Integrated Trailer Brake Controller
Factory Tow Hitch & Tow Hooks
All-Terrain Tires
Protective Transfer Case Shield
4-Wheel Anti-Lock Disc Brakes
Electronic Stability & Traction Control
Factory Packages & Options
ZR2 Midnight Special Edition
Blacked-Out Exterior Appearance
Upgraded Aluminum Alloy Wheels
Aggressive ZR2 Off-Road Styling
ZR2 Off-Road Package
Off-Road Suspension and Capability
All-Terrain Tires
Off-Road Protection Equipment
Heavy-Duty Trailering Package
Factory Tow Hitch
Integrated Trailer Brake Controller
Trailering Equipment
Interior Comfort & Convenience
Premium Leather Seating
Heated Front Seats
Heated Leather-Wrapped Steering Wheel
Power Driver Seat with Lumbar Support
Power Passenger Seat
Remote Engine Start
Keyless Entry
Automatic Climate Control
Power Windows and Door Locks
Auto-Dimming Rearview Mirror
Spacious Crew Cab Interior
Rear Bench Seating
Technology & Entertainment
Chevrolet Touchscreen Infotainment
Integrated Navigation System
Apple CarPlay & Android Auto
Bluetooth Hands-Free Connectivity
Premium Audio System
Rearview Backup Camera
Wireless Phone Charging Capability
WiFi Hotspot Capability
HD Radio & Satellite Radio
Steering Wheel Audio Controls
6-Speaker Audio System
Safety & Security Features
Rearview Backup Camera
Electronic Stability Control
Traction Control
Anti-Lock Braking System
Integrated Trailer Brake Controller
Tire Pressure Monitoring System
Tire Fill Alert
Multiple Airbags
Vehicle Security System
Theft-Deterrent Immobilizer
Exterior Highlights
Black Exterior
ZR2 Midnight Special Edition
Aluminum Alloy Wheels
All-Terrain Tires
Factory Bed Liner
Heavy-Duty Tow Hitch
Front Tow Hooks
Heated Power Mirrors
Sliding Rear Window
EZ-Lift and Lower Tailgate
Projector-Style Headlights
Daytime Running Lights
Why Buy from Grote Automotive Fort Wayne?
Looking for a used 2020 Chevrolet Colorado ZR2 4WD for sale in Fort Wayne, Indiana? Grote Automotive offers quality pre-owned trucks, SUVs, and cars. Proudly serving Fort Wayne, New Haven, Auburn, Columbia City, Huntington, Warsaw, and surrounding Northeast Indiana communities!
This 2020 Chevrolet Colorado ZR2 Midnight Edition 4x4 delivers exceptional off-road performance, V6 power, premium comf
Vehicle Details
Exterior
- Tires, 265/65R17 all-terrain, blackwall, 31" Goodyear Wrangler DuraTrac
- Tire, spare 265/65R17 all-terrain, blackwall
- Wheel, spare, 17" x 8" (43.2 cm x 20.3 cm) aluminum
- Bumpers, rear, Black
- Moldings, Black beltline
- Headlamps, projector-type
- Cargo box light, back of cab
- Mirrors, outside heated power-adjustable, body-color, manual-folding
- Mirror, spotter located in corner of driver-side outside mirror
- Glass, windshield shade band
- Window, rear-sliding, manual
- Door handles, body-color
- Capless Fuel Fill
- Tailgate, EZ-Lift and Lower
- Tailgate handle, Black
Interior
- Seat adjuster, driver 6-way power
- Seat adjuster, 4-way power front passenger
- Seat adjuster, power driver lumbar control
- Seat adjuster, power passenger lumbar control
- Seat, rear folding bench (Crew Cab models only.)
- Seats, heated driver and front passenger
- Console, floor, front compartment, custom
- Floor covering, color-keyed carpeting
- Steering wheel, leather-wrapped
- Steering column, tilt and telescopic
- Steering wheel controls, mounted audio controls
- Steering wheel, heated
- Speedometer, miles/kilometers
- Display, driver instrument information enhanced, multi-color
- Windows, power with driver Express-Up and Down
- Cruise control, electronic, automatic
- Remote vehicle starter system
- Theft-deterrent system, immobilization
- Theft-deterrent system, unauthorized entry
- Wireless Charging for compatible cell phones (expanded capability)
- USB charging-only ports 2, located on the rear of the center console
- Air conditioning, single-zone automatic climate control
- Defogger, rear-window electric
- Handles, door release, front and rear, Chrome
- Mirror, inside rearview auto-dimming
- Console, overhead
- Visors, driver and front passenger illuminated sliding vanity mirrors
- Lighting, interior, dual reading
- Lighting, interior, roof, rear courtesy and dual reading lights (Crew Cab models only.)
- Chevrolet Connected Access capable (Subject to terms. See onstar.com or dealer for details.)
Entertainment
- Audio system feature, 6-speaker system
- HD Radio
- Microphones, Driver side and Passenger side
- 4G LTE Wi-Fi Hotspot capable (Terms and limitations apply. See onstar.com or dealer for details.)
Mechanical
- Engine, 3.6L DI DOHC V6 VVT (308 hp [230.0 kW] @ 6800 rpm, 275 lb-ft of torque [373 N-m] @ 4000 rpm)
- Rear axle, 3.42 ratio
- GVWR, 6000 lbs. (2722 kg) (Standard on Crew Cab models with (LGZ) 3.6L DI DOHC V6 engine only.)
- Hill Descent Control
- Transfer case, electric, 2-speed AutoTrac
- Transfer case shield
- Four wheel drive
- Hitch Guidance, trailering assist guideline
- Trailer brake controller, integrated
- Trailering Package, heavy-duty includes trailer hitch and 7-pin connector
- Tow/Haul Mode
- LPO, Off-Road rocker protection
- Frame, fully-boxed
- Pickup box
- Steering, Electric Power Steering (EPS) assist
- Brakes, 4-wheel antilock, 4-wheel disc
Safety
- Daytime Running Lamps
- Airbags, Dual-stage frontal airbags for driver and front passenger; Seat-mounted side-impact airbags for driver and front outboard passenger; Head-curtain airbags for front and rear outboard seating positions; Includes front outboard Passenger Sensing System for frontal passenger airbag (Always use seat belts and child restraints. Children are safer when properly secured in a rear seat in the appropriate child restraint. See the Owner's Manual for more information.)
- HD Rear Vision Camera
- Teen Driver a configurable feature that lets you activate customizable vehicle settings associated with a key fob, to help encourage safe driving behavior. It can limit certain available vehicle features, and it prevents certain safety systems from being turned off. It includes the Buckle-to-Drive feature which prevents the driver from shifting from Park for up to 20 seconds if the driver's seat belt is not buckled. An in-vehicle report card gives you information on driving habits and helps you to continue to coach your new driver
- Tire Pressure Monitoring System (does not apply to spare tire)
- Tire Fill Alert provides an audible and visual indication when tire pressure is added to a tire that is low. Aids to achieve optimal tire pressure
Tech Specs
- Vehicle Name: Chevrolet Colorado
- Body Style: Crew Cab Pickup
- Body Code: E63
- Drivetrain: Four Wheel Drive
- Passenger Capacity: 5
- Number of Passenger Doors: 4
- Gross Axle Wt Rating - Front: 3200
- Gross Axle Wt Rating - Rear: 3200
- Curb Weight - Front: 2213
- Curb Weight - Rear: 1784
- Fuel Economy Est-Combined: 17
- EPA Fuel Economy Est - City: 16
- EPA Fuel Economy Est - Hwy: 18
- Tons/yr of CO2 Emissions @ 15K mi/year: 10.4
- Gross Vehicle Weight Rating Cap: 6000
- Gross Combined Wt Rating: 10300
- Dead Weight Hitch - Max Trailer Wt.: 5000
- Dead Weight Hitch - Max Tongue Wt.: 500
- Wt Distributing Hitch - Max Trailer Wt.: 5000
- Wt Distributing Hitch - Max Tongue Wt.: 500
- Fifth Wheel Hitch - Max Trailer Wt.:
- Fifth Wheel Hitch - Max Tongue Wt.:
- Maximum Trailering Capacity: 5000
- Engine Order Code: LGZ
- Engine Type: Gas V6
- Displacement: 3.6L/222
- Fuel System: Direct Injection
- SAE Net Horsepower @ RPM: 308 @ 6800
- SAE Net Torque @ RPM: 275 @ 4000
- Trans Order Code: M5T
- Trans Type: 8
- Trans Description Cont.: Automatic
- Trans Description Cont. Again:
- First Gear Ratio (:1): 4.61
- Second Gear Ratio (:1): 3.04
- Third Gear Ratio (:1): 2.06
- Fourth Gear Ratio (:1): 1.66
- Fifth Gear Ratio (:1): 1.26
- Sixth Gear Ratio (:1): 1.00
- Reverse Ratio (:1): 3.69
- Clutch Size:
- Trans Power Take Off:
- Trans PTO Access:
- Transfer Case Model: Magna MP3025G
- Transfer Case Gear Ratio (:1), High: 1.00
- Transfer Case Gear Ratio (:1), Low: 2.72
- Transfer Case Power Take Off: - TBD -
- Cold Cranking Amps @ 0° F (Primary): - TBD -
- Cold Cranking Amps @ 0° F (2nd):
- Maximum Alternator Capacity (amps): - TBD -
- Maximum Alternator Watts: - TBD -
- Total Cooling System Capacity: 15.6
- Engine Oil Cooler:
- Frame Type: - TBD -
- Suspension Type - Front: Independent
- Suspension Type - Rear: Multi-Leaf
- Spring Capacity - Front: - TBD -
- Spring Capacity - Rear: - TBD -
- Axle Type - Front: - TBD -
- Axle Type - Rear: - TBD -
- Axle Capacity - Front: - TBD -
- Axle Capacity - Rear: - TBD -
- Axle Ratio (:1) - Front: 3.42
- Axle Ratio (:1) - Rear: 3.42
- Shock Absorber Diameter - Front:
- Shock Absorber Diameter - Rear:
- Stabilizer Bar Diameter - Front: - TBD -
- Stabilizer Bar Diameter - Rear: - TBD -
- Front Tire Order Code: QJ2
- Rear Tire Order Code: QJ2
- Spare Tire Order Code: ZJP
- Front Tire Size: 265/65R17
- Rear Tire Size: 265/65R17
- Spare Tire Size: 265/65R17
- Front Tire Capacity: - TBD -
- Rear Tire Capacity: - TBD -
- Spare Tire Capacity: - TBD -
- Revolutions/Mile @ 45 mph - Front: - TBD -
- Revolutions/Mile @ 45 mph - Rear: - TBD -
- Revolutions/Mile @ 45 mph - Spare: - TBD -
- Front Wheel Size: 17 x 8
- Rear Wheel Size: 17 x 8
- Spare Wheel Size: 17 x 8
- Front Wheel Material: Aluminum
- Rear Wheel Material: Aluminum
- Spare Wheel Material: Aluminum
- Steering Type: Pwr Rack & Pinion
- Steering Ratio (:1), On Center: - TBD -
- Steering Ratio (:1), At Lock: - TBD -
- Turning Diameter - Curb to Curb: 41.3
- Turning Diameter - Wall to Wall: - TBD -
- Brake Type: Pwr
- Brake ABS System: 4-Wheel
- Brake ABS System (Second Line):
- Disc - Front (Yes or ): Yes
- Disc - Rear (Yes or ): Yes
- Front Brake Rotor Diam x Thickness: 12.2 x - TBD -
- Rear Brake Rotor Diam x Thickness: 12.8 x - TBD -
- Drum - Rear (Yes or ):
- Rear Drum Diam x Width:
- Fuel Tank Capacity, Approx: 21
- Aux Fuel Tank Capacity, Approx:
- Fuel Tank Location: - TBD -
- Aux Fuel Tank Location:
- Front Head Room: 41.4
- Front Leg Room: 45.0
- Front Shoulder Room: 57.5
- Front Hip Room: 55.0
- Second Head Room: 38.3
- Second Leg Room: 35.8
- Second Shoulder Room: 56.2
- Second Hip Room: 53.3
- Wheelbase: 128.5
- Length, Overall: 212.7
- Width, Max w/o mirrors: 76.7
- Height, Overall: 72.2
- Overhang, Front: 37.3
- Overhang, Rear w/o bumper: 47.2
- Front Bumper to Back of Cab: - TBD -
- Cab to Axle: - TBD -
- Cab to End of Frame: - TBD -
- Ground to Top of Load Floor: 34.5
- Ground to Top of Frame: - TBD -
- Frame Width, Rear: - TBD -
- Ground Clearance, Front: 8.9
- Ground Clearance, Rear: 8.9
- Cargo Box Length @ Floor: 61.7
- Cargo Box Width @ Top, Rear: - TBD -
- Cargo Box Width @ Floor: 57.8
- Cargo Box Width @ Wheelhousings: 44.4
- Cargo Box (Area) Height: - TBD -
- Tailgate Width: - TBD -
- Cargo Volume: 41.3
- Ext'd Cab Cargo Volume: - TBD -
- Seventh Gear Ratio (:1): 0.85
- Eighth Gear Ratio (:1): 0.66
- Model Group: Colorado
- Vehicle Segment: Small Pick-up
- Vehicle Type: Crew Cab
- Body Cab Style: Crew Cab
- Bed Style: regular
- Engine Displacement Units: 3.6
- Engine Camshaft: DOHC
- Engine Block Type: aluminum
- Engine Cylinder Count: 6
- Engine Valve Count: 4
- Country of Origin: United States Chevrolet Trucks
Details
- Heavy-Duty Trailering Package
- Preferred Equipment Group 4ZR
- ZR2 Midnight Special Edition
- ZR2 Off-Road Package
- 2 USB Data Ports w/SD Card Reader
- 6 Speakers
- 6-Speaker Audio System Feature
- AM/FM radio: SiriusXM
- Bose Premium 7-Speaker Audio System Feature
- HD Radio
- Premium audio system: Chevrolet Infotainment 3 Plus
- Radio data system
- Radio: Chevrolet Infotainment 3 Plus System
- Radio: Chevrolet Infotainment 3 Plus System w/Navi
- SiriusXM Radio
- Air Conditioning
- Automatic temperature control
- Rear window defroster
- Driver 6-Way Power Seat Adjuster
- Power driver seat
- Power steering
- Power windows
- Remote keyless entry
- Steering wheel mounted audio controls
- Speed-sensing steering
- Traction control
- 4-Wheel Disc Brakes
- ABS brakes
- Dual front impact airbags
- Dual front side impact airbags
- Front anti-roll bar
- Front wheel independent suspension
- Low tire pressure warning
- Occupant sensing airbag
- Overhead airbag
- Black Rear Bumpers
- Electronic Stability Control
- Exterior Parking Camera Rear
- Delay-off headlights
- Fully automatic headlights
- Panic alarm
- Security system
- Speed control
- Driver-Selectable Full-Locking Front Differential
- Driver-Selectable Full-Locking Rear Differential
- Black Spray-On Bedliner w/Chevrolet Logo
- Heated door mirrors
- Hitch Guidance
- Off-Road Lights (LPO)
- Off-Road Sport Bar (LPO) (SCU)
- Power door mirrors
- Rear step bumper
- Tow/Haul Mode
- All-Weather Floor Liner (LPO)
- Apple CarPlay
- Auto-dimming Rear-View mirror
- Compass
- Driver door bin
- Driver vanity mirror
- Front reading lights
- Heated steering wheel
- Illuminated entry
- Outside temperature display
- Overhead console
- Passenger vanity mirror
- Rear reading lights
- Rear seat center armrest
- Tachometer
- Telescoping steering wheel
- Tilt steering wheel
- Trip computer
- 4-Way Power Front Passenger Seat Adjuster
- Front Bucket Seats
- Front Center Armrest
- Heated Driver & Front Passenger Seats
- Heated front seats
- Leather-Appointed Seat Trim
- Power Driver Lumbar Control Seat Adjuster
- Power Passenger Lumbar Control Seat Adjuster
- Power passenger seat
- Passenger door bin
- Integrated Trailer Brake Controller
- 17" x 8" Aluminum Wheels
- Alloy wheels
- Wheels: 17" x 8" Gloss Black Aluminum
- Variably intermittent wipers
- 3.42 Rear Axle Ratio
- Driver Air Bag
- Passenger Air Bag
- Front Side Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Climate Control
- A/C
- Security System
- AM/FM Stereo
- ABS
- Cruise Control
- Rear Defrost
- Locking/Limited Slip Differential
- Four Wheel Drive
- V6 Cylinder Engine
- Gasoline Fuel
- Daytime Running Lights
- Keyless Entry
- Power Door Locks
- Heated Mirrors
- Power Mirror(s)
- Power Driver Seat
- Power Passenger Seat
- Bucket Seats
- Power Steering
- Adjustable Steering Wheel
- Tires - Front All-Terrain
- Tires - Rear All-Terrain
- Temporary Spare Tire
- Traction Control
- Aluminum Wheels
- Power Windows
- A/T
- Satellite Radio
- MP3 Capability
- Heated Front Seat(s)
- Steering Wheel Audio Controls
- Immobilizer
- Auto-Dimming Rearview Mirror
- Driver Vanity Mirror
- Passenger Vanity Mirror
- Driver Illuminated Vanity Mirror
- Passenger Illuminated Visor Mirror
- Front Reading Lamps
- Driver Adjustable Lumbar
- Passenger Adjustable Lumbar
- Leather Steering Wheel
- Transmission Overdrive Switch
- Tow Hitch
- Tow Hooks
- Tire Pressure Monitor
- Sliding Rear Window
- Bluetooth Connection
- Telematics
- Bed Liner
- Remote Engine Start
- Back-Up Camera
- Stability Control
- Auxiliary Audio Input
- Rear Bench Seat
- Passenger Air Bag Sensor
- Heated Steering Wheel
- WiFi Hotspot
- Smart Device Integration
- Driver Restriction Features
- Requires Subscription
Why Buy This Vehicle
This 2020 Chevrolet Colorado is a great option for drivers looking for a dependable and affordable vehicle. With its combination of performance, comfort, technology, and value, it offers a practical solution for daily commuting, family transportation, and weekend travel.
Why Buy From Grote Automotive
For years, Grote Automotive has helped drivers throughout our markets find quality vehicles at competitive prices. Every vehicle is thoroughly inspected before being offered for sale, and our team is committed to providing a transparent, stress-free buying experience.
Financing Options Available
Grote Automotive offers financing solutions for all types of buyers, including excellent credit, first-time buyers, challenged credit, and customers working to rebuild their credit.
Disclaimer:
New vehicle pricing includes all offers and incentives. Tax, Title and Tags not included in vehicle prices shown and must be paid by the purchaser. While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us or by visiting us at the dealership.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 5.9% interest and 20% downpayment.