Case 845B Financing Calculator
motor graders · Est. Market Price $245,000 · More Case financing
Updated
Case's 845B is a heavy-duty motor graders machine, spec'd with a 173hp engine and 32,200 lb operating weight.
At 173hp, the Case 845B sits roughly mid-pack by horsepower among motor graders models tracked here (35% of the category's top horsepower figure). By operating weight, it comes in at 15% of the heaviest motor graders model in this dataset.
At an estimated 8.25% APR on a $245,000 purchase price, the 60-month $1-buyout structure modeled here puts the 845B at $5,012/mo, with ownership transferring at term end. For financing at this level, financing at this scale usually involves a dedicated equipment-finance underwriter rather than an automated approval path. Across the full 60-month term, total payments come to $300,743 — about $55,743 above the $245,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $5,012/month, this ranks #2 of 10 by estimated payment among currently priced motor graders models — 18% below the motor graders average of $6,124/mo.
Because 100% bonus depreciation is currently in effect (equipment placed in service after January 19, 2025) and this asset qualifies under Section 179's $2,560,000 2026 cap, the full $245,000 cost is a candidate for a first-year deduction rather than a multi-year depreciation schedule -- the actual benefit depends on the buyer's taxable income, so this isn't a substitute for a CPA's sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$5,012.38/mo
Base APR: 8.25% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Section 179 Tax Deduction Matrix
Estimates for illustrative purposes only. Consult a certified CPA to determine actual Section 179 depreciation. Source: IRS Publication 946 .
| Estimated Equipment Price | $245,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $245,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $51,450 |
| Effective After-Tax Cost | $193,550 |
Asset Specifications
| Make | Case |
| Model | 845B |
| Category | heavy-construction |
| Subcategory | motor graders |
| Horsepower | 173 hp |
| Operating Weight | 32,200 lbs |
| Estimated Market Price | $245,000 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Case 845B?
An estimated $5012.38/month over 60 months at a base APR of 8.25%, including a $750.00 doc/origination fee.
Does the estimated payment change based on credit score?
Yes. The calculator above has 5 credit tiers, each adjusting this machine's 8.25% base APR: Subprime 12.75%, Fair 10.75%, Good 8.25%, Very Good 7.50%, Prime 6.75%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Case 845B eligible for a Section 179 tax deduction?
Yes. Under the 2026 Section 179 cap of $2,560,000, qualifying businesses may be able to deduct the full purchase price in the year it's placed in service, subject to CPA verification.
Does 100% bonus depreciation apply to a financed Case 845B?
Bonus depreciation was restored to 100% for equipment placed in service after January 19, 2025, and it applies more broadly than Section 179 -- it isn't capped by the $2,560,000 Section 179 limit and generally isn't affected by a business's Section 179-eligible income limit. Financing rather than paying cash doesn't disqualify a purchase from this: the full $245,000 placed-in-service cost is typically what counts, not the amount actually paid that year. Confirm applicability with a CPA before filing.
What's the total cost of financing this Case 845B versus paying cash?
Over the full 60-month term, estimated payments total $300,743 -- about $55,743 more than the $245,000 cash price. That difference is the estimated cost of financing (interest plus the $750.00 doc fee) rather than paying up front.
How much would a down payment lower the monthly payment on this Case 845B?
Putting 10% down ($24,500 on this Case 845B) reduces the estimated payment from $5,012/mo to roughly $4,513/mo at the same 8.25% estimated APR -- a real reduction, since a down payment lowers the amount actually financed rather than just the sticker price.
What is the typical resale or auction value for a Case 845B?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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