DVC Resale Fees, Made Clear

Closing costs go to the title company for transferring the deed into the buyer's name, managing the escrow funds, and handling all the paperwork with Disney. The buyer pays because they're the one getting the deed put in their name. That's been the standard on the secondary market for as long as DVC resale has existed. Every legitimate DVC resale company uses the same structure.

This isn't a negotiating point. The seller listed under these terms, and we don't change them transaction by transaction.

Disney charges $500 to add the new owner to the DVC membership system, activate their account, and link their reservations access. The buyer is the one being added to the system. Disney charges the new owner. This fee goes directly to Disney and isn't adjustable by us or the title company.

Whoever has usage of the current year's bankable points pays the dues on them.

The seller paid annual dues on the full contract at the start of the year. When you close between January and November, you're getting the current year's bankable points, meaning those points are yours to use, rent, or bank. You have the usage. So you cover the dues on them by reimbursing the seller for what they already paid.

If dues are $9 a point and you're getting 150 bankable points, that's $1,350. You're not paying the seller a bonus. You're paying the carrying cost on the points you're actually receiving. Every DVC resale company handles it this way because reimbursing for the points you take over is the only fair approach.

Note: if the seller borrowed any of next year's points, you'll be reimbursed for the annual dues on however many of next year's points are no longer bankable. The same rule applies in reverse.

December closings work differently. There's no current year dues reimbursement, but the reason is that the buyer pays the following year's annual dues in advance at closing. So instead of reimbursing the seller for the current year, the buyer is covering next year's dues upfront as part of the closing costs.

Again, the same rule. If the seller borrowed ahead and used points from next year's allotment, those points are no longer bankable for the buyer. The buyer is taking ownership of a contract where part of next year's point allotment has already been spent. The seller had usage of those points, so the seller is responsible for the annual dues on them.

The seller reimburses the buyer for however many of next year's points are no longer bankable, calculated at the most current dues per point rate for that resort. The buyer ends up whole: either they have the points, or they're compensated for the dues on the ones the seller used.