Buying a car in Alaska is not “sticker plus a state sales-tax rate,” and it is not Georgia’s Title Ad Valorem Tax. The State of Alaska does not levy a statewide sales tax. What you actually pay at signing is the vehicle price, official title and registration amounts, any local municipal tax your city or borough charges, and—if your garage address is in a participating locality—the Motor Vehicle Registration Tax that DMV collects. This guide explains how an Alaska auto loan estimate is built using only official government figures, and which numbers you must type yourself because no public agency publishes a single statewide default.
Whether you are shopping at a franchise dealer in Anchorage, buying used on a lot, or picking up a private-party truck and walking into a DMV office, the contract depends on how you buy, whether you finance the title and tags or pay them in cash, and whether your municipality charges local sales tax or MVRT. We walk through each piece with real dollar examples so you can sanity-check any calculator or dealer worksheet before you sign.
A $38,000 car does not generate Georgia’s $2,660 of TAVT here, and it does not generate Alabama’s $760 of 2% automotive tax. Statewide sales tax on that deal is $0.
What Makes Alaska Different From Most States
Most shoppers hear “sales tax” and apply a statewide percent to the car. Alaska does not work that way. The Department of Commerce, Community, and Economic Development’s Office of the State Assessor states that Alaska does not levy a statewide sales tax. Local municipalities may levy a sales or use tax, but only with voter approval. The statutory authority is Alaska Statutes (AS) 29.45.650 and 29.45.700 for borough and city sales and use taxes.
Alaska is also not a Title Ad Valorem Tax state. There is no 7% TAVT line, no “max of price or book” dealer rule, and no statewide vehicle percent hiding under a different name. The easy miss is the opposite trap: skipping local charges that really do exist. Some cities and boroughs tax sales. Separately, many localities use a Motor Vehicle Registration Tax (MVRT) that DMV collects when you register. Those two items are not the same tax, and neither one has a single official statewide dollar default.
Important: Do not use Georgia’s 7% TAVT, and do not use another state’s automotive sales-tax percent, on an Alaska deal. A $38,000 Alaska dealer purchase in the official illustration—no local sales tax entered, no MVRT entered—produces $0 of statewide sales tax. Title is $15. Biennial passenger registration is $100. That is the official package the payment examples below use.
Whether a vehicle is in a city’s sales-tax base is a local ordinance question. A responsible calculator does not invent a statewide vehicle sales-tax rate. It leaves local sales or use tax user-entered and defaults it to $0 until you add the amount your locality actually charges on that vehicle.
MVRT is the other local piece. Alaska DMV describes it as a local tax DMV collects for municipalities and boroughs that elected this form of personal property tax. “The tax rates vary for each location.” The schedule lives in AS 28.10.431 (age and type brackets; the municipality may set the table). Payment of MVRT is in lieu of local use and ad valorem taxes on that vehicle (AS 28.10.431(g)). Because MVRT follows type and age—not the negotiated price—a dealer trade-in does not reduce MVRT.
References:
- DCRA Office of the State Assessor — Alaska does not levy a statewide sales tax (accessed 29 August 2026)
- DCRA sales-tax overview (AS 29.45.650 / .700)
- Alaska DMV — general vehicle registration / MVRT
- AS 28.10.431 — Motor Vehicle Registration Tax
Official Alaska Fees You Can Rely On (2026)
Some costs are fixed by statute or published by Alaska DMV. A responsible Alaska auto loan calculator should use these as defaults—not averages from industry websites, and not another state’s fee chart.
| Fee | Amount | Source |
|---|---|---|
| Statewide sales tax on the vehicle | None (0%) | DCRA / Office of the State Assessor |
| Local municipal sales/use tax | You enter | AS 29.45.650 / .700; local ordinance |
| Motor Vehicle Registration Tax (MVRT) | You enter | AS 28.10.431; varies by location and age |
| Title (including transfer) | $15 | AS 28.10.441; Alaska DMV |
| Lien filing on title | $15 | AS 28.10.441 |
| Duplicate title | $15 | AS 28.10.441 |
| Non-commercial passenger / pickup / cargo van registration | $100 / 24 months | Alaska DMV fee chart; AS 28.10.421 |
| Motorcycle registration | $60 biennial | DMV fee chart |
| Trailer registration | $30 | DMV fee chart |
| Statewide EV extra registration fee | None published | Do not invent one |
| Lemon Law purchase surcharge | None | AS 45.45.300–.360 is a warranty remedy |
Dealer documentary (“doc”) fees have no statutory dollar cap in the Alaska brief. What the law does say is stricter in a different way. The Alaska Department of Law’s consumer vehicles page states that the advertised price must include dealer document, prep, and overhead fees. Only title, licensing, and registration actually paid to the State may sit outside the advertised price (AS 45.25 dealer practices). A calculator should therefore default any extra doc line to $0 unless you enter a charge that was not already in the advertised price.
Example 1: Official title and tag package on a regular passenger car
Scenario: You title and register a gasoline passenger car, pickup, or cargo van. You are not recording a lien in this illustration.
Title fee: $15.00 Non-commercial passenger registration (24 months): $100.00 ──────────────────────────────────────── Official title/tag package: $115.00
That $115.00 is the figure used in the $38,000 worked examples later in this guide. Registration may be prorated in some cases; the published biennial passenger amount is $100.
Example 2: Same car with a lien recorded, or a different class
Scenario A: A lender finances the vehicle, so you record a lien on the title. Scenario B: The vehicle is a motorcycle or a trailer instead of a passenger car.
Passenger package: $115.00 Lien filing (AS 28.10.441): +$15.00 ──────────────────────────────────────── Passenger with lien: $130.00 Motorcycle registration: $60.00 (plus $15 title) Trailer registration: $30.00 (plus $15 title)
The official ICE illustration leaves the $15 lien off unless you choose it, so the $38,000 examples below stay at title $15 + registration $100. Motorcycle and trailer amounts come from the same DMV fee chart; they are not passenger rates.
References:
- AS 28.10.441 — title $15, lien $15, duplicate title $15
- AS 28.10.421 — registration fee rates
- Alaska DMV — transfer from another state (title $15)
- Alaska DMV — new vehicle
- Alaska Department of Law — Vehicles (advertised price includes dealer fees)
Local Sales Tax: There Is No Statewide Vehicle Percent
Alaska’s state vehicle sales-tax rate is not 2%, not 4%, not 7%, and not “hidden in the tag.” It is none. Local municipal sales and use taxes are extra, and they are not a single statewide combined rate. Cities and boroughs may levy them after voter approval (AS 29.45.650 / .700). DCRA publishes sales-tax information for local governments; it does not give you a vehicle percent to copy onto every Alaska invoice.
Whether the vehicle itself is taxable is an ordinance question. Some localities tax goods broadly. Some treat vehicles differently. A calculator that applies one invented “Alaska car tax rate” to every ZIP code is not following DCRA. The honest design is: leave local sales or use tax as a dollar amount you type, default $0, and add it to cash due or to the amount financed only if you choose to roll it.
Example 1: Official $38,000 illustration (no local tax entered)
Scenario: New dealer purchase. Price $38,000. You have not entered a city or borough vehicle tax because the official brief does not invent a “typical” municipal rate.
Statewide sales tax: $0.00 Local municipal sales/use tax: $0.00 (user left at default) ──────────────────────────────────────── Tax on the vehicle in this illustration: $0.00
This is the tax used in Examples A and B below. It is an illustration, not a promise that your city charges nothing. If your ordinance taxes the car, type the dollars.
Example 2: Same car after you type a local tax the ordinance actually charges
Scenario: Your city or borough taxes this vehicle. You look up the ordinance (or the amount the dealer or city quotes) and enter $760 as a user figure—not as an official statewide default.
Statewide sales tax: $0.00 Local amount you entered: $760.00 ──────────────────────────────────────── Tax on the vehicle: $760.00
$760 here is only an example of a user-entered local dollar amount. It is not Alaska copying Alabama’s 2% of $38,000, and it is not a published statewide rate. If you roll that local tax into the loan, it increases the amount financed. If you pay it at signing, it increases cash due. Either way, the State of Alaska still charged $0 statewide sales tax.
Important: There is no official “average Alaska combined vehicle sales-tax rate” in the government sources used here. If a website prints one percent for every Alaska community, it is not following DCRA.
References:
- DCRA Office of the State Assessor — no statewide sales tax
- DCRA Local Government Resource Desk — Taxation & Assessment / Sales Tax
- AS 29.45.650 / .700 — borough and city sales and use taxes, voter approval
Motor Vehicle Registration Tax (MVRT): Local, Age-Based, Collected by DMV
MVRT is the charge people most often miss when they hear “Alaska has no sales tax.” It is not a statewide sales tax. It is a local personal-property substitute that DMV collects for municipalities and boroughs that elected this form of tax. Alaska DMV’s general registration page is explicit: tax rates vary for each location.
AS 28.10.431 sets the framework: age and type brackets, with the municipality able to set the table. Because the tax follows vehicle type and age, not the negotiated price, knocking $3,000 off the invoice with a trade-in does not knock $3,000 off MVRT. Payment of MVRT is in lieu of local use and ad valorem taxes on that vehicle (AS 28.10.431(g)).
Do not invent a statewide MVRT dollar amount. Use the official tools and type the result:
- Alaska DMV vehicle fee calculator (do not scrape it as a live engine)
- DMV’s MVRT-by-location chart
Example 1: Official ICE illustration leaves MVRT at $0 until you look it up
Scenario: The $38,000 new-dealer examples later in this guide assume no MVRT because many locations charge it and the amount is not a single official default. Defaulting to $0 is honest. Pretending Anchorage, Juneau, and an unorganized area all pay the same invented number is not.
MVRT in the official illustration: $0.00 (user-entered default) Look up your garage address on the DMV calculator before you treat this as “your” cash due.
Example 2: Used dealer with a trade — MVRT still follows age and type
Scenario: Price $18,500, trade $3,000. There is no statewide sales tax, so the trade does not change a state tax line. If the garage address is a taxable MVRT location, MVRT still follows the vehicle’s type and model-year age—not the $15,500 difference after trade.
Negotiated difference: $18,500 − $3,000 = $15,500 Statewide sales tax: $0.00 (unchanged by the trade) MVRT: look up by location and age; do not compute a percent of $15,500
Enter the DMV calculator result as dollars. If you roll MVRT into the loan, it is added to principal. If you pay it at signing (typical for many private-party DMV visits), it is cash due.
References:
- Alaska DMV — general vehicle registration / MVRT
- Alaska DMV vehicle fee calculator
- AS 28.10.431 — MVRT; subsection (g) in lieu of local use and ad valorem taxes
Dealer vs Private Party: Same Statutory Fees, Different Paperwork
Title and registration statutory amounts are the same whether you buy from a dealer or a neighbor. What changes is who walks the paperwork to DMV, and when you must apply.
Dealers usually submit the paperwork. Alaska DMV’s new-vehicle page describes dealer processing for new purchases. Private-party buyers apply on Form V1 within 30 days of purchase (AS 28.10.201 pattern / DMV). Non-residents may operate on foreign plates for 60 days. Persons working in Alaska or establishing residency must apply within 10 days of entering the state or taking a job (DMV general registration).
Private-party deals typically mean title, registration, and any MVRT are paid cash at DMV, not rolled into a bank loan the way a dealer might roll tags. There is still no statewide sales tax on the private-party price.
Example 1: New franchise dealer
Scenario: You buy a new passenger vehicle from a franchise dealer. The dealer submits title and registration. You can ask to roll the $15 title and $100 biennial registration into the loan, or pay them at signing. Local tax and MVRT, if any, are extra user-entered amounts.
Example 2: Private party at $18,500
Scenario: Same $18,500 price as a used-dealer comparison. Title $15 + registration (often $100 biennial, subject to proration or expiration month) + any MVRT at the buyer’s location, typically cash at DMV. Statewide sales tax remains $0. A “trade” you mention to the seller does not create a statewide tax credit, because there is no statewide sales tax to credit against.
References:
- Alaska DMV — new vehicle; general registration; Form V1 timing
- AS 28.10.201 pattern — application for title
- AS 28.10.441 and AS 28.10.421 — same statutory title and registration amounts
Interest Rates: What the Government Actually Publishes
Alaska does not publish an official statewide auto-loan APR. The official U.S. series is the Federal Reserve G.19 Consumer Credit release (Regulation Z APRs). The current release dated 7 August 2026 reports June / Q2 2026 data.
Bank rates are unweighted averages of each bank’s most common rate in the first calendar week of the middle month of the quarter. They are not origination-weighted and not Alaska-specific.
| Series | Rate | Period |
|---|---|---|
| Commercial bank 60-month new car | 7.14% | Q2 2026 |
| Commercial bank 72-month new car | 6.97% | Q2 2026 |
| Finance company new car (amount-weighted) | 6.1% (Q1) / 6.08% (Mar 2026) | 2026; FRED RIELPCFANNM |
These are not your guaranteed rate. A calculator may prefill 7.14% only as the G.19 60-month new-car bank average, then amortize at whatever rate you type. Disclose that the result is an estimate, not a Truth in Lending quote and not a lender offer.
Important: G.19 does not publish a used-car APR. There is no official government “used car rate” to prefill, and no official Alaska FICO-tier table. Enter your lender’s quote. You may illustrate a used deal at 7.14% only if you label it as the official 60-month new-car bank rate, not as a used-car government series.
Do not treat 84 months as official; G.19’s highlighted bank series is 60 and 72 months. The 72-month bank print (6.97%) sitting below 60-month (7.14%) is each bank’s “most common” mix, not a term premium. Amortize at the user’s contract rate.
Example 1: Using the official 60-month benchmark
Scenario: You have no lender quote yet. The calculator prefills 7.14% and 60 months because that is the Fed series, not because Alaska set that rate.
Replace 7.14% with your bank or credit-union offer before you treat the payment as “your” payment.
Example 2: Used car with no official APR
Scenario: You are financing an $18,500 used dealer car. G.19 has no used series. The honest move is to leave APR blank until you have a quote, or show 7.14% with a label: “shown at the official 60-month new-car bank rate; enter your used quote.”
References:
- Federal Reserve G.19 Consumer Credit (release dated 7 August 2026)
How Loan Payments Are Calculated
Treat the entered rate as a nominal annual rate, compounded monthly. Monthly rate i = rate ÷ 12. For amount financed P over n months, the payment is the standard amortization formula. If the rate is zero, payment is simply P ÷ n. Round the payment to cents (half-up); the last payment clears the residual. Totals come from the schedule.
In symbols: monthly payment M = P × [ i (1 + i)n ] ÷ [ (1 + i)n − 1 ].
Amount financed is approximately:
- Vehicle price (plus extra doc only if you entered it separately from the advertised price)
- Minus down payment, trade-in value, and rebate
- Plus trade payoff (negative equity)
- Plus local sales/use tax and MVRT if rolled into the loan
- Plus title, registration, and lien filing if rolled into the loan
- Plus financed GAP or extended warranty
Cash due at signing is approximately your down payment plus any local tax, MVRT, and fees you pay upfront instead of financing. There is no statewide vehicle sales tax to roll.
This is an estimate, not a Regulation Z APR solution or lender offer. Apply for title in the buyer’s name within 30 days of purchase (DMV).
Example 1: What “amount financed” looks like with no local tax
Scenario: Price $38,000, down $3,800, extra doc $0, no trade, no rebate, no GAP, no warranty, no local tax, no MVRT. Title $15 and registration $100.
If title + tag are rolled: P = 38,000 − 3,800 + 15 + 100 = $34,315.00 Cash due = down payment only = $3,800.00 If title + tag are paid in cash: P = 38,000 − 3,800 = $34,200.00 Cash due = 3,800 + 15 + 100 = $3,915.00
Example 2: Same math after you add MVRT or local tax
Scenario: You look up MVRT on the DMV calculator and enter $250 (a user figure, not a statewide default). You leave local sales tax at $0.
If MVRT is rolled with title + tag: P = 34,315.00 + 250.00 = $34,565.00 Cash due stays $3,800.00 If MVRT is paid at signing (title + tag still cash): P stays $34,200.00 Cash due = 3,915.00 + 250.00 = $4,165.00
Add local sales-tax dollars the same way: to P if rolled, to cash due if paid at signing. Recalculate the payment. Do not invent an MVRT table inside the loan calculator—link the DMV tool.
References:
- Federal Reserve G.19 — rate used as the illustration APR, not as a TILA solution
- Standard fully amortizing installment formula; last payment clears residual
- Alaska Department of Law — no cooling-off on a dealership purchase
Complete Worked Examples: $38,000, 10% Down, 60 Months, 7.14%
Assumptions for both official examples: new dealer, no local sales tax and no MVRT in the illustration (both remain user-entered; many locations charge MVRT), gasoline vehicle, extra doc = $0, no trade, no rebate, no GAP, no warranty, title $15, biennial passenger registration $100, APR = official G.19 60-month bank 7.14%, 60 months. Payment rounded half-up to cents. Last payment residuals. Statewide sales tax = $0. Do not copy Georgia TAVT $2,660 onto this deal.
Example A: Title and tag rolled into the loan
Scenario: Price $38,000, cash down $3,800. You finance the $15 title and $100 registration.
Statewide sales tax: $0.00 Title: $15.00 Passenger registration (24 mo): $100.00 Amount financed P = 38,000 − 3,800 + 15 + 100 = $34,315.00 APR 7.14%, 60 months Monthly payment: $681.75 Cash due at signing: $3,800.00 Total of payments: $40,904.76 Total interest: $6,589.76
The monthly figure is an estimate at the Fed’s 60-month new-car bank average. Your lender’s rate will change it. Notice there is no $2,660 TAVT line and no $760 “2% of price” line. The only official add-ons in this illustration are title and registration.
Example B: Same deal, title and tag paid in cash
Scenario: Identical car, down payment, rate, and term. You pay the $115 title and registration at signing instead of financing them.
Amount financed P = 38,000 − 3,800 = $34,200.00 Title + registration paid now: $115.00 Monthly payment: $679.46 Cash due at signing = 3,800 + 15 + 100 = $3,915.00 Total of payments: $40,767.75 Total interest: $6,567.75
Rolling the $115 costs $22.01 extra interest versus paying title and tags in cash, and it saves $115.00 of cash at signing. That is the whole statewide-fee tradeoff on this illustration. Local tax and MVRT, if you enter them, stack on top of this choice.
Used Dealer and Private-Party Examples
The $38,000 new-car examples are the official G.19 illustration. Used and private-party deals use the same fee statutes and the same “no statewide sales tax” rule. They do not get an official used-car APR.
Example C: Used dealer with a trade
Scenario: Price $18,500, trade $3,000. Extra doc $0.
Statewide sales tax: $0.00 Trade does not change a state tax line (there is none). MVRT, if the garage address is a taxable location: still follows age and type — not $15,500. Title: $15.00 Passenger registration: often $100 biennial (subject to proration / expiration month)
Amount financed starts from $18,500 − trade + payoff − rebate, then adds any rolled local tax, MVRT, and fees. Enter your used-car lender quote. Do not invent a government used APR.
Example D: Private party at the same $18,500
Scenario: You buy the same vehicle from a private seller and title it yourself.
Statewide sales tax: $0.00 Title: $15.00 Registration: often $100 biennial MVRT: any amount at the buyer’s location (DMV calculator) Typically paid: cash at DMV, not rolled Apply on Form V1: within 30 days of purchase
The statutory title and registration dollars match the dealer side. The paperwork path and the likelihood that tags are cash at DMV are what change. There is still no statewide sales tax on the $18,500.
Common Questions
Does Alaska charge sales tax on cars?
The State of Alaska does not levy a statewide sales tax. Some cities and boroughs levy local sales or use tax with voter approval. Whether your vehicle is in that local base is an ordinance question. Enter local tax as dollars, default $0.
What is MVRT, and is it the same as sales tax?
No. Motor Vehicle Registration Tax is a local personal-property substitute DMV collects where the locality elected in (AS 28.10.431). Rates vary by location and vehicle age. Paying MVRT is in lieu of local use and ad valorem taxes on that vehicle. It is not a statewide sales tax and it is not reduced by a dealer trade-in.
Why isn’t my payment using Georgia’s $2,660 or a 2% automotive tax?
Those figures belong to other states. On a $38,000 Alaska illustration with no local tax and no MVRT entered, statewide sales tax is $0. Official add-ons in that illustration are title $15 and passenger registration $100.
Must the advertised price include the doc fee?
Alaska Department of Law: advertised price must include dealer document, prep, and overhead fees. Only title, licensing, and registration actually paid to the State may sit outside the advertised price. That is why a responsible calculator defaults extra doc to $0.
When do I have to title the vehicle?
Apply for title in the buyer’s name within 30 days of purchase (DMV). Private-party buyers use Form V1. Non-residents may operate on foreign plates 60 days; people working or establishing residency must apply within 10 days of entering the state or taking a job.
What APR should I use on a used car?
There is no official used-car APR in G.19 and no official Alaska credit-tier table. Enter your lender quote. You may illustrate at 7.14% only if you label it as the official 60-month new-car bank rate.
Data Sources and How This Guide Stays Current
Every default in this guide comes from a government source accessed for the 29 August 2026 Alaska brief: Alaska DMV, Alaska Statutes, Alaska Department of Law, DCRA / Office of the State Assessor, and the Federal Reserve G.19 release dated 7 August 2026. Industry surveys—Experian, Edmunds, Bankrate, CarEdge, credit-union rate sheets—are not used.
Fee amounts such as title $15 and passenger registration $100 should be re-checked against AS 28.10.441, AS 28.10.421, and the current DMV fee chart when the legislature or DMV publishes a change. Local sales-tax ordinances and MVRT tables change by community; link DCRA and the DMV MVRT calculator rather than scraping them. G.19 is a quarterly release; replace 7.14% when the Board publishes a new 60-month new-car bank average.
Conclusion
An Alaska auto loan estimate is simpler at the state level than most U.S. car deals, and easier to get wrong if you copy another state. There is no statewide sales tax. There is no TAVT. Title is $15. A typical non-commercial passenger registration is $100 for 24 months. Lien filing is $15 when you record a lien. Motorcycle and trailer registrations are $60 biennial and $30. Lemon Law is a remedy, not a checkout fee. No published statewide EV extra fee belongs on the form.
The costs that still require your attention are the local ones: municipal sales or use tax if the ordinance reaches the vehicle, and MVRT if DMV collects it for your garage address. Enter those as dollars from official local or DMV tools. Do not invent a statewide vehicle percent or a single MVRT default.
On the official $38,000 illustration—10% down, 60 months, G.19 7.14%, title and tags rolled—the estimated payment is $681.75 a month, with $3,800 cash due. Pay title and tags in cash and the estimate is $679.46 a month with $3,915 due at signing. Use those figures to check a worksheet. Then replace the rate with your lender’s quote, add MVRT from the DMV calculator, and add any local tax your city actually charges.
That is how an Alaska auto loan calculator should work in 2026: official defaults where the government published them, user entries where it did not, and no imported tax engine from Georgia or Alabama.
Complete Reference List
Federal
- Board of Governors of the Federal Reserve System, G.19 Consumer Credit, current release dated 7 August 2026 (Q2 / June 2026 data): https://www.federalreserve.gov/releases/g19/current/default.htm
Alaska DCRA and statutes — sales tax
- DCRA Office of the State Assessor, Alaska Sales Tax Information (Alaska does not levy a statewide sales tax): https://www.commerce.alaska.gov/web/dcra/OfficeoftheStateAssessor/AlaskaSalesTaxInformation.aspx
- DCRA Local Government Resource Desk — Taxation & Assessment / Sales Tax: https://www.commerce.alaska.gov/web/dcra/LocalGovernmentResourceDesk/TaxationAssessment/SalesTax.aspx
- AS 29.45.650 / AS 29.45.700 — borough and city sales and use taxes
Alaska DMV and motor-vehicle statutes
- Alaska DMV, general vehicle registration / MVRT: https://dmv.alaska.gov/vehicle-services/general-vehicle-registration/
- Alaska DMV vehicle fee calculator: https://online.dmv.alaska.gov/MVRTCost/
- Alaska DMV, transfer from another state (title $15): https://dmv.alaska.gov/vehicle-services/transfer-my-vehicle-from-another-state/
- Alaska DMV, new vehicle: https://dmv.alaska.gov/vehicle-services/new-vehicle/
- AS 28.10.421 — registration fee rates
- AS 28.10.431 — Motor Vehicle Registration Tax
- AS 28.10.441 — title $15, lien $15, duplicate title $15
Alaska Department of Law
- Consumer protection — Vehicles (advertised price includes dealer fees; no cooling-off): https://law.alaska.gov/consumer/vehicles.html
- Alaska Lemon Law; AS 45.45.300–.360: https://law.alaska.gov/consumer/lemonlaw.html
Official brief access date: 29 August 2026.
This article is an educational estimate of Alaska vehicle fees and a fully amortizing installment payment. It is not a Regulation Z / TILA disclosure, not a lender offer, and not legal advice. Verify current amounts with Alaska DMV, your city or borough, and your lender.