"IF" (that's a Big If) the condition is everything you say it is, the dealer is not going to give you more than $16K. So I would negotiate with the dealer until he came up to the $16K. This will be extremely difficult because dealers negotiate every day for a living and are way better at it then most people. So if you are in a hurry to buy, your in a tight spot; over the proverbial barrel so to speak. If you are in no hurry and can spend the time sell it outright or wait the dealer out. Once again, this all hinges on the Big If.