diff --git a/source/packages/plg_system_mokosuiteauto/src/Helper/DealHelper.php b/source/packages/plg_system_mokosuiteauto/src/Helper/DealHelper.php
index 8cc0d92..4c57a08 100644
--- a/source/packages/plg_system_mokosuiteauto/src/Helper/DealHelper.php
+++ b/source/packages/plg_system_mokosuiteauto/src/Helper/DealHelper.php
@@ -57,7 +57,8 @@ class DealHelper
 		}
 
 		$frontGross = (float) $deal->sale_price - (float) $deal->invoice_price
-			- (float) ($deal->reconditioning_cost ?? 0);
+			- (float) ($deal->reconditioning_cost ?? 0)
+			- (float) ($deal->trade_allowance ?? 0);
 
 		// F&I back-end gross
 		$db->setQuery($db->getQuery(true)
diff --git a/source/packages/plg_system_mokosuiteauto/src/Helper/FinancingHelper.php b/source/packages/plg_system_mokosuiteauto/src/Helper/FinancingHelper.php
index 4d689e0..8967e49 100644
--- a/source/packages/plg_system_mokosuiteauto/src/Helper/FinancingHelper.php
+++ b/source/packages/plg_system_mokosuiteauto/src/Helper/FinancingHelper.php
@@ -79,7 +79,8 @@ class FinancingHelper
 		}
 
 		$tradeEquity = (float) $deal->trade_value - (float) $deal->payoff;
-		$effectivePrice = (float) $deal->sale_price - max(0, $tradeEquity);
+		// Negative equity rolls into financed amount (customer owes more than trade value)
+		$effectivePrice = (float) $deal->sale_price - $tradeEquity;
 
 		$scenarios = [];
 		$rates = [3.9, 5.9, 7.9];