With x-plan they have to show you the original factory invoice, which shows the car's x-plan price and the invoice price. Make sure they show that to you and you'll know
This is from the program rules:
The dealer is required to provide you with a true copy of the factory invoice showing the Partner Recognition price on the line labeled X-Plan. You should also receive a complete and signed AXZD-Plan Pricing Agreement showing each item and its price. Do not sign this form if it is blank or if you do not understand how the price was calculated. All added items must be documented on this form, including negative equity on trade, and gifts.
The X-Plan price is the amount shown in the box labeled "X-Plan" near the bottom of the factory invoice. The New Vehicle Purchase Program price includes advertising, finance costs, transportation, fuel charges and Ford Motor Company administrative fees. The dealership may not charge extra for these items.
The New Vehicle Purchase Program customer is entitled to the price in effect at the time the vehicle was invoiced. Any money refunded to the dealer by Ford Motor Company for price increases occurring after the order is submitted, but before shipment to the dealer, must be refunded to the customer.