Want to buy a DR650, curious OTD cost

I had a DR650 a few years back my uncle bought for me, unfortunately I ended up needing to sell it to pay off some bills. I'm looking at getting another one, however I'm 23 and my credit score isn't fantastic. I make a decent amount and work 40hrs a week, and I'll be saving up over this winter.

I live in NY so riding is limited to half the year, but I'm curious how much I should save up to put down/what I can expect for a monthly payment.

Any advice is much appreciated!