Expecting a $400 lease is ridiculous for these rigs
They cost $38k for the XLT with basic options. A Limited model like the 2008 I had was $50,000 msrp
I suggest you set your sights lower to a Flex. Ford had a Lease incentive for them starting at $250/month. Price goes up depending on additional options.
That, or buy a used rig. 2007+ vehicles have 5yr/60,000 mile power train warranty. Look for a 2011 model with lower miles.