Isn't there a finance charge somewhere that's close to $400/month?
Yes, the monthly finance charge (also known as the monthly lease fee, which is directly affected by the MF) is $459.65 to be exact, while the monthly depreciation fee (which is directly affected by the residual value percent) is $684.44. These two total $1144.09. On top of this, you pay your sales tax.
Here is a sample calculation of the buyer's lease (tax rate 7.25%):