I was quoted $24.6k on a TC45DA (hydro), open, with FEL and no front blade back this past winter. As others have said, the price quoted is in outer space.
Also, as Brian noted, the dealer doesn't get much if any risk out of the financing, which is why it doesn't change the price much. If you can get a low rate, take the financing even if you don't need to, and keep the money invested somewhere else.
Personally I would get a turbo, gear tractor for those uses. The JD 4x20 series (or 3x20 series if that's big enough), the new Kubota L40's with a turbo, or consider a utility (JD 5x03 series 2008 models, Kioti DK55-65 I think have turbos also) depending on how much work it will be doing.