why don't you go with your mom and visit the dealers to get an accurate prices for the said cars? and at the same time to know the prevailaing interest rates? and monthly amortization, if you actually start going to places which you should be doing to begin with, then you will know all the answers to all your questions that you've been posting...

and the only thing you should tell your mom is what car you want then ask her to go with you to look at it.. problem solve...