I got my tym hst 273 with a loader for 12,700. Sounds like it is just the dealer trying to get you for all he can. Shame, because the JD i was lookin at had less HP and cost 14,500 and had less of a warranty. This little TYM has been an awesome tractor so far, and the few minor things that have needed to be warrantied (cruise switch, brake light switch) they have just given me so I could change myself rather than having to trailer the tractor in for a 5 minute repair. Also, I heard that JD's contract with yanmar to build their small tractors is up and they will soon be Chinese built, Anyone know about this?