ev-buyer-helperlisted

# EV Buyer Helper > **Caveat**: this skill is one author's playbook + 5-scenario stress test. Verify state fees / CPO terms / EV credits / dealer practices against current sources before quoting numbers to a dealer or making financial decisions. Not tax, legal, or financial advice. > **last_verified**: 2026-06-22 (federal credit termination re-verified against IRS) > ## ⚠️ CRITICAL, FEDERAL EV CREDITS HAVE ENDED (as of 2026-06) > > The One Big Beautiful Bill Act (OBBBA / Public Law 119-21, signed 2025-07-04) > **terminated all three federal clean-vehicle credits** for any vehicle **acquired > after 2025-09-30**: > > - **§30D New Clean Vehicle Credit ($7,500), TERMINATED.** > - **§25E Previously-Owned (Used) Clean Vehicle Credit ($4,000), TERMINATED.** > - **§45W Commercial Clean Vehicle Credit ($7,500, the lease pass-through), TERMINATED.** > > A vehicle acquired **on or before 2025-09-30** (written binding contract + a payment, > incl. a nominal deposit or trade-in, by that date) can still claim the credit even if > placed in service later, but that window is closed for any 2026 purchase. > > **For any buyer purchasing now (2026): there is NO federal $7,500 / $4,000 / §45W EV > credit. Do NOT quote these to a buyer or use them in OTD / net-price math.** Only > **state/local rebates** (where still funded) and manufacturer incentives remain. > > The §30D / §25E / §45W mechanics below are retained as **historical reference** > (eligibility for pre-2025-10-01 acquisitions, and