Should Crystal lease or purchase?

Crystal is considering the purchase of a Ford F$-150$ Pickup and has negotiated a final price of $$27,690.$ She$$s trying to decide whether to lease or purchase the vehicle.

$$ If she leases, she$$ll have to pay a $$600$ security deposit, a capital cost reduction $($down payment$)$ equal to $10\%$ of the vehicle$$s cost$,$ and monthly payments of $$491$ over the three$-$year term of the closed$-$end lease. The truck will have a residual value of $$11,076.$

$$ On the other hand, if she buys the truck, she$$ll have to make a $10\%$ down payment, pay sales tax equal to $8\%$ of the vehicle$$s price, and make monthly payments of $$736$ on a three$-$year loan that charges $4\%$ interest.

$$ Be aware that funds used as down payments and security deposits incur an opportunity cost of $5\%,$ as they could have earned interest for Crystal over the period of the lease or loan.