You need to post addition details...
For starters, do you mean a 528 or a 535, there are no 2013 525.
Go to bmwconfig.com and figure out your invoice price and post it.
Is the 55,600 before incentives or after? Did they even mention incentives?
What is dealer wash for $95?
Are you financing or leasing? With BMWFS or with other financing?
2015 M3 - Mineral White, Sonoma, Exec, LED, Adaptive Suspension, HK, 19" Light Alloy, 6MT ED 7/7/15 - Adrian
2013 535i - Space Grey, Biege, M-SPort, Premium, Tech, Cold Weather, Luxury Seating, PDC, 6MT ED-10/11/2012 - PCD - Greg Poland