Making an Offer on a DVC Resale Listing
Purchasing a DVC resale contract starts with finding the right listing and submitting an offer. The process moves quickly once you decide to act, so it helps to know what to expect at each step.
Finding the Right Contract
Start by browsing the DVC resale listings page. You can filter by resort, use year, point size, and price. If you're still deciding which resort fits your vacation style, the DVC resorts guide walks through each property in detail.
Check the DVC market report to see where recent transactions have landed. If Saratoga Springs contracts are closing at $105 to $115 per point, you know where the market sits before you write your offer. That context helps you put together a competitive number from the start.
Pay attention to the available points listed with each contract. A 150-point contract with all 150 points banked from last year plus the current year's allotment is worth more than the same contract where the seller already used most of the points. Our resale value calculator factors point availability into the appraised value.
Can You Offer Below the Asking Price?
Yes. Sellers set a listed price and a private minimum. You can submit any offer at or above that minimum. The platform won't show you the exact minimum, but if your offer falls below it, the system will let you know. Offers at or above the minimum go directly to the seller for a decision.
There's no harm in submitting a fair offer below the listed price. In our experience, starting 3 to 4% below asking gives you room to negotiate while still showing the seller you're serious. Most sellers expect some back and forth. You can always come back and offer more if your first number doesn't land.
Submitting Your Offer
Once you find a listing you want, the offer process takes about two minutes. Enter your offer price, review the terms, and submit. You'll receive an email confirmation right away. The seller is notified instantly and has 24 hours to accept, counter, or decline. Most sellers respond within a few hours.
If the seller counters, you'll get a notification with their counter price. You can accept the counter, submit a new number, or walk away. There's no limit to how many rounds of countering can happen, though most deals are settled within one or two rounds.
After Your Offer Is Accepted
When the seller accepts, the platform generates a purchase and sale agreement automatically. You'll receive an email with a link to the contract within minutes. The agreement covers the purchase price, the available points included in the sale, the estimated closing date, and the fee schedule.
Here's how the fees break down:
- Buyer pays: $500 Disney Administration Fee (paid at closing to Disney, non-negotiable)
- Buyer pays: Closing costs, typically $500 to $800 depending on the title company
- Buyer pays: Dues reimbursement on the current year's bankable points
- Seller pays: $150 Disney Estoppel Fee
- Seller pays: Broker commission (6.9% at DVC Sales, versus 9.5% to 10% at most other brokers)
The DVC fees guide explains each of these in more detail.
Signing the Contract
The contract uses an electronic signing portal. You can sign from a desktop, tablet, or phone. Review each section carefully, then submit your signature. The seller receives a notification to countersign. Both parties signing typically happens within one to two business days of the offer being accepted.
Paying the Deposit
After both parties sign, a deposit is due within a few days. The exact amount is in the contract before you sign, so there are no surprises. Payment is made by ACH bank transfer or wire. The deposit is held in escrow by a licensed title company and applied toward your purchase at closing.
If you need financing, we work with DVC-specific lenders who can fund the purchase. Financing approval takes a few days, so start that process early if you plan to use a loan.
What Happens After Both Parties Sign
Once both signatures are in and the deposit is received, the contract goes to Disney for Right of First Refusal review, known as ROFR. Disney reviews the contract and has up to 30 days to decide whether to purchase it themselves at the agreed price, or to waive and let the sale proceed. In the vast majority of transactions, Disney waives and the sale moves forward. You can read more about this process in our ROFR waiver guide.
After ROFR clears, the title company takes over and moves toward closing. The full timeline from contract signing to a recorded deed is typically 45 to 60 days. For a complete walkthrough of what happens from there, see the closing timeline guide.
If you have questions about a specific listing or want to talk through an offer before you submit, call us at (407) 205-1435 or reach out through the contact page. We've closed over 10,000 resale transactions since 2016 and are happy to walk you through the details.
