My options at the end of "Ford Options" credit agreement.?

Yes, you are being naive. Your options are to return the vehicle, purchase the vehicle using cash or outside financing, or purchase the vehicle using Ford motor credit financing. Standard used car rates will apply. If the residual is truly lower than the current saleable value, you ought to purchase it, and resell it for a profit. Bear in mind that if you purchase it, it's a wholly new and seperate transsaction, and taxes and fees will be charged all over again. Good luck.