Sorry guys for the dumb questions here but I've always bought my cars but my current car (2018 Dodge Durango R/T is up on it's lease in a year or so and I'm considering buying it. How does it work for buying it outright at the end? Let's say I got it for 45K it's well under it's mileage and say after it's 48 month term I paid 38K in payments. Can I buy it for the extra 7K owed or do I have to then finance it at market value? How does this crap work?