Not just the money but more importantly the options and risk mitigation, which is largely the benefit of leasing. If you trade it in or sell it early the former being more likely, you lose that money down which lowered payments yes but for months you won't pay them. Also if you total the car the GAP insurance will cover the value of the car but they won't refund your money either. Depending on the rate/money factor, $1k only lowers your payment about $45/mo. on a 24 plan, $32 or so on a 3yr lease. Not worth it.