Paying cash, then there is one question, how much cash do they want? If that number doesn't seem right, leave.
This is dead simple, you don't really care about the numbers above the line that indicates how much cash you are paying.
You know what you want to pay, you know the tax rate, so your target should be the bottom line, how much you need to provide to take the item Out The Door.
They can fiddle with the numbers above the line to their hearts content as long as you get the cash number you pay to a value you like.
Always, always deal on that OTD number. It saves a lot of confusion.
Sounds like you agreed on a price and now a bunch of fees showed up. I'd say sorry, the price I agreed to included all fees except sales tax, which is X% If they are not going to sell you the item for that price plus the sales tax of X% get up and leave.
Always make it clear you are negotiating an OTD number. Should be easy. If the item is $5000 and the tax rate is 6% then you expect to pay $5300 to take it home, so you are negotiating for $5300 OTD
Taxes, tags, and state title fees are easily researched prior to going to a dealer. Here in IL, I figure tags and title were about $200 before the recent increase, so maybe $250 now in round numbers. So if I'm buying a car, I have my target price and the bottom line number I'm looking for is my (target price) * 1.0625 + $250
I don't care what they do above the line. If they call some of it fees or this or that, my target number is still the same and that's the only number I'm looking at on the sheet, the bottom line number.
Sorry so long, this is a cash deal, how much cash do they want and are you comfortable paying that amount? If so, buy, if not don't buy.
If I have posted this in the wrong spot apologys. I'm trying to buy a new 2019 Suzuki M50. ... Should I be concerned? BTW I'm paying cash.