What I should have said, was that when I built my particular 350 on the Consumer Reports new car buying service, the dealer holdback was shown as $950, so thats about the same as your number. Consumer Reports gives you an MSRP, an invoice price, and subtracts the dealer holdback from the invoice to give you a 'true' dealer cost that you can start negotiating at. Of course there might be some other kickbacks from Ford to the dealer depending on the market.