My experience is that both truecar.com and Edmunds TMV are too h

If you really want a great deal and can wait, then wait until Labor Day weekend. Both Accord and Camry are the last year model and you should get lower than TMV OTD. Offer LX for $18,000 OTD. People got Camry LE $18,000 and SE $19,000 OTD lately.