Was My DVC Resale Deposit Received?
After you submit your deposit payment, the most common next question is whether it actually arrived. That is completely understandable when you are sending thousands of dollars and waiting for confirmation. Here is exactly what to expect and what the process looks like from your side of the transaction.
When to Expect Deposit Confirmation
Once your deposit reaches the title company's escrow account, you will typically receive a confirmation email by the end of that business day or the following day at the latest. This email serves as your official receipt and confirms that your funds are held in escrow and applied to your transaction file.
The title company sends this confirmation automatically when the funds clear. It is not something you need to request. If you have not received confirmation within 24 business hours, check your spam or junk folder first. Automated emails from title companies are occasionally flagged by aggressive spam filters.
Your DVC Sales dashboard will also update to reflect the deposit received status once we are notified by the title company. You can check your dashboard in your account without needing to contact us separately to ask about the status.
How Long Different Payment Methods Take
The timing depends on how you submitted your deposit payment.
Wire transfers are the fastest and most reliable option. Domestic wires initiated during normal banking hours typically arrive and are processed the same business day. Most arrive within a few hours of initiation. If you wired funds on a Tuesday afternoon and have not received confirmation by end of business Wednesday, it is worth following up.
Credit card payments through the title company's secure portal usually process the same day or within one business day. The exact timing depends on the payment processor the title company uses, but confirmation typically arrives the same day in most cases.
Certified checks or bank checks require physical delivery and manual processing. If you sent a check by overnight mail, factor in delivery time plus one to two business days for the title company to deposit and process it. This method typically takes three to four business days from when you sent the check before you see confirmation.
Split Payments
Some buyers split their deposit between two payment methods, for example paying $3,000 by credit card and sending the remaining balance by wire. This is perfectly acceptable, but it means you will receive confirmation of each portion separately as they arrive.
If one portion of a split payment is delayed, the title company will note partial receipt and wait for the remainder before marking the deposit as complete in your file. We monitor split payment situations closely to make sure both portions arrive within the deadline window. If you are using a split payment approach, let us know upfront so we can track both pieces.
If You Have Not Received Confirmation
If it has been more than 24 business hours since you submitted your deposit and you have not received confirmation, take these steps in order.
First, check your spam and junk folders. Email filters sometimes catch automated messages from financial institutions and title companies. Search for emails from the title company name as well as any payment processing company name that might have appeared in the payment portal.
Second, check your bank or credit card statement. If the funds left your account, the issue is likely on the receiving end and you can confirm the account and routing information were correct. If the funds have not left your account at all, something may have failed on the sending side.
Third, contact the title company directly using the phone number from your purchase agreement. They can confirm in real time whether your funds have arrived. Have your transaction reference number ready when you call.
And if you are still unclear after those steps, reach out to us through your dashboard or our contact page. We can help trace the payment and determine where the issue is.
What Happens After Your Deposit Is Confirmed
Once the title company confirms your deposit, your transaction enters the ROFR and estoppel phase. Disney reviews the contract for their Right of First Refusal, typically responding within 10 to 14 days though they have 30 days. At the same time, the estoppel certificate is ordered from Disney, which officially confirms all the contract details.
You will receive updates through your dashboard and from us directly when ROFR clears and when the estoppel is received. After those steps, the closing process moves toward final documents, fund transfer, deed recording, and membership activation.
Most buyers find the period between deposit confirmation and ROFR clearance to be the longest wait in the process. The deposit step itself is quick, clean, and straightforward once the funds arrive. The 30-day ROFR window that follows tends to feel longer. But once that clears, the final closing moves relatively fast.
Deposit Security and Escrow Protection
Your deposit is held in a segregated escrow account at the title company, not commingled with general operating funds. Florida real estate law requires this separation, and it means your money is protected even in the unlikely event of business disruption at the title company.
You will not be asked to wire funds to a personal account, a foreign account, or any account that is not clearly associated with the title company handling your transaction. If you receive wire instructions directing you anywhere other than the title company, stop and contact us before sending anything. Wire fraud attempts in real estate transactions are real, and taking a moment to verify instructions verbally with the title company protects you completely.
