# Close Day Checklist > 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", "l… - **Type:** Skill - **Install:** `agentstack add skill-daizedong-buy-me-a-car-close-day-checklist` - **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior - **Seller:** [DaizeDong](https://agentstack.voostack.com/s/daizedong) - **Installs:** 0 - **Category:** [AI & ML](https://agentstack.voostack.com/c/ai-and-ml) - **Latest version:** 0.1.0 - **License:** MIT - **Upstream author:** [DaizeDong](https://github.com/DaizeDong) - **Source:** https://github.com/DaizeDong/buy-me-a-car/tree/main/skills/close-day-checklist ## Install ```sh agentstack add skill-daizedong-buy-me-a-car-close-day-checklist ``` Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent. ## About # Close Day Checklist > **Caveat**: this skill is one author's playbook + 5-scenario stress test. Verify state fees / CPO terms / EV credits / dealer practices against current sources before quoting numbers to a dealer or making financial decisions. Not tax, legal, or financial advice. > last_verified: 2026-05-18 Narrow sub-skill: buyer has a locked OTD in writing and is heading to the dealer to sign. No re-negotiation, no fresh outreach. For the full 9-phase workflow load `../orchestrator/SKILL.md`; for upstream counter / follow-up drafting load `dealer-reply-drafter`. ## 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 - OTD not yet locked in writing (use orchestrator Phase 6 / `dealer-reply-drafter` first) - CARFAX not yet reviewed (use `carfax-pdf-review` sub-skill) - PPI not yet booked (use `../orchestrator/references/ppi_booking.md`) - Buyer wants to renegotiate at the F&I desk (don't - escalate per gotcha P3 F&I hard-no script) ## Critical Rules Invoked - **Critical Rule #4: Read the actual CARFAX PDF yourself.** Verbal "clean 1-owner" has a real failure rate. See gotcha V2. Re-confirm CARFAX was read end-to-end BEFORE close day. - **Critical Rule #1: Plain ASCII in every outbound email.** Close-day GM heads-up email + F&I hard-no email must be ASCII only. ## Close-Day Re-Confirmation (do this BEFORE buyer drives to dealer) Re-read the close-day logistics mini-table from `criteria.md` and confirm each line: - Bank cut-off + branch + hours (cashier's check issued same morning?) - Insurance carrier (for binder + policy number) - Plate decision (transfer existing vs new plates - saves $25-150 in most states) - 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 If multiple branches apply (financing + trade + EV), execute all of them. Full detail in `../orchestrator/references/phases.md#phase-9--close`. ### Cash buyer Pre-arrival (T-1 day): - [ ] Cashier's check confirmed ready for issue by bank cut-off (~9-10 AM); buffer for same-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 - [ ] All line items cross-checked against `../orchestrator/references/state_fees.md` registering-state "Does NOT have" list (gotcha D8) - [ ] No padded add-ons (paint protection / nitrogen / etching / VIN etching / theft deterrent) - [ ] F&I hard-no script ready (see below) - [ ] Temp permit issued at close; confirm permanent title timeline (4-8 weeks) Post-close (T+1 to T+30): - [ ] Title arrived in mail; if not, follow up at T+30 - [ ] Insurance binder converted to permanent policy ### Financing buyer Pre-arrival: - [ ] Captive-vs-CU decision resolved per `../orchestrator/references/payment_methods.md` (gotcha D9 sub-rule: not coupled to ADM or other concessions) - [ ] If CU: funding instrument (cashier's check or wire) confirmed pre-close; first-payment date confirmed - [ ] If captive: no rebate clawback on early payoff; lender lien notation on title - [ ] Pre-approval re-pulled if approaching 30-day expiry - [ ] 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 - [ ] First payment due ~30-45 days post-funding ### 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) - [ ] Lien-holder auto-pay cancelled pre-close (avoid double-charge cycles) - [ ] KBB Instant Cash Offer screenshot in hand as walk-floor anchor - [ ] Key count verified (matches Phase 1 capture; missing 2nd key = $200-400 deduction) - [ ] All personal items removed; both key fobs ready On-site: - [ ] Bill-of-sale shows: trade allowance, lien payoff routing, dealer commitment date - [ ] State trade-in tax credit applied to GROSS trade allowance (NOT net of payoff) per `../orchestrator/references/state_fees.md` - [ ] No shell-game: ACV and trade allowance NOT confused; sale price and trade negotiated separately Post-close monitoring (calendar reminders at Day 5 / 10 / 14 / 21): payoff initiated, lien-holder received, release filed at DMV, release confirmation in hand. If not released by Day 30, escalate per `../orchestrator/references/trade_in.md` section 5. ### 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 - [ ] NACS vs CCS1 port confirmed; adapter ordered if needed - [ ] 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 - [ ] L1 OEM charge cable included in delivery (factory accessory, NOT a separate purchase) 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: - [ ] Home L2 install scheduled (Qmerit / Treehouse / ChargePoint) if not already - [ ] State EV rebate application submitted (verify state DOE / clean-energy office deadline — the only live incentive) ### Pickup-truck buyer Pre-arrival (cross-ref `../orchestrator/references/vertical_playbooks.md#part-1--pickup-truck-specifics`): - [ ] Factory tow package verified at delivery via VIN decode + door-jamb option codes (Ford 53A/535, Ram AHT, GM NHT, Toyota tow prep) - [ ] Real tow capacity matches buyer's stated use case (engine x axle x package per section 1) - [ ] Payload capacity NOT exceeded by buyer's actual use (tongue + passenger + gear math per section 3) - [ ] PPI included pickup-specific items: frame, transmission cooler, hitch wear, body mounts, exhaust manifold (V8), turbo seals (EcoBoost) On-site: - [ ] Factory vs aftermarket hitch distinction confirmed in writing - [ ] Integrated trailer brake controller functional test (dash-mounted gain knob; green LED on 7-pin connect) - [ ] No ex-plow / ex-fleet posture concealed (CARFAX commercial fleet = $1-2k off; plow prep = $1.5-3k off) - [ ] Lift kit / oversized tires inspected for warranty + insurance impact (per section 6) Quick PPI items (frame / suspension / tow wear): frame (no rust-through, no welds outside factory locations, no bent crossmembers); suspension under-load (no clunk on speed bump, no sag past load index); tow wear (hitch ball threads, 7-pin pin corrosion, wiring harness chafe). Post-close: record door-jamb payload number for future tow planning. ## F&I Hard-No Verbatim Script (gotcha P3) 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} ``` ### Verbatim Refusal Script (buyer-spoken language) **Spoken-only carve-out.** The two scripts above are the dealer-facing baseline: English + ASCII, fine to print and hand across the desk or paste into email. A buyer who is more fluent in Spanish or Chinese may instead *say the refusal out loud* in their own language — spoken words are the agent-to-buyer surface, not a dealer artifact. The hard rule still holds for everything WRITTEN or EMAILED to the dealer: English + ASCII only (Critical Rule #1). Do NOT print these translations, do NOT paste them into a Gmail draft, do NOT hand them to F&I as a document. Read aloud only. See `../orchestrator/SKILL.md` § Language and Audience Separation and `../../data/fragments/es_refusal_scope.md`. Load-bearing F&I terms below were checked against real US-Spanish-market usage, not literal-translated. Still: have a native speaker or Codex review the phrasing before a buyer relies on it at the desk. > Translation status: DRAFT — pending Codex / native-speaker review. **Add-on name glossary (US Spanish market, verified usage):** | 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 — > **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} ``` ### Pre-close-day heads-up email (send to GM ~24h before close) Pre-empts most close-day F&I friction. Full template in `../orchestrator/assets/dealer_reply_template.md` section Pre-Close-Day F&I Heads-Up Email. Key elements: - 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 | |---|---| | Full Phase 9 detail (all 5 buyer types) | `../orchestrator/references/phases.md#phase-9--close` | | 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 | | Pickup-specific PPI items | `../orchestrator/references/vertical_playbooks.md#part-1--pickup-truck-specifics` section 4 | | State-fee leak detection ("Does NOT have") | `../orchestrator/references/state_fees.md` section Tri-State / New England detail stubs (gotcha D8) | | F&I hard-no full text + reframe | `../orchestrator/assets/dealer_reply_template.md` section Close-Day F&I Hard-No | | 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.) | | HD pickup / commercial van / luxury close routing | `../orchestrator/references/vertical_playbooks.md#part-2--he … ## Source & license This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code. - **Author:** [DaizeDong](https://github.com/DaizeDong) - **Source:** [DaizeDong/buy-me-a-car](https://github.com/DaizeDong/buy-me-a-car) - **License:** MIT Install and usage instructions live in the source repository linked above. ## Pricing - **Free** — Free ## Security capabilities Automated source analysis of v0.1.0 — what this tool can access: - **Network access:** no - **Filesystem access:** no - **Shell / process execution:** no - **Environment & secrets:** no - **Dynamic code execution:** no *"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.* ## Versions - **0.1.0** — security scan: passed — Imported from the upstream source. ## Links - Listing page: https://agentstack.voostack.com/l/skill-daizedong-buy-me-a-car-close-day-checklist - Seller: https://agentstack.voostack.com/s/daizedong - Browse the marketplace: https://agentstack.voostack.com/browse --- Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.