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With 3999 down I've seen base models of the fr-s (MT) as low as 242/mo. That was on a 2014 argento, unfortunately it sold about 3 weeks ago. If you keep your eyes out and wait for sales events while saving up to that 4k mark you should have no issues.
Also I was going to upload the new financing sheet for the scion iFi but i noticed it said dealer only, dont wan't to get in trouble but i will tell you that if you can qualify with iFi as soon as the 2015's hit the floor you may be able to get a 2014 base fr-s(not monogram) at 2999 down/249mo at 36mo(1.9%).
Good luck!
Edit: I believe that sheet was based off A/T so the monthly premium should actually be a touch less...
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