When I was shopping, I think the best price I could get my local JD dealer down to was about 18,900... List was just over 20,000 with the FEL and R-4's... if I remember correctly. Even using the Mahindra dealer against him for leverage... wouldn't budge. Brought home a new Mahindra 3525 the same day... absolutely no regrets, I love it. Great tractor, and much more tractor per dollar than the green ones. I have to admit, though, I bleed green at heart, and the 990 is what I wanted. But I couldn't justify the extra $$$$.