I have a leased 07 FJ Cruiser with 12,500 miles. It's a 4x4 6 speed with 17" alloys, hitch, Sonar, & Convenience Pack. The Payoff/Buyout according to Toyota Financial is $20,500. I would really like to trade it in on a 07 Tundra. Is there any penalties for trading it in? I realize I don't really "own" the vehicle, but if the book value is higher than my payoff can I use that equity towards the new vehicle? What is a decent trade in value on my FJ?