Thinking About Selling Some of Your DVC Points?
Selling a portion of your DVC points is a real option that many members don't know is available. You don't have to exit your membership entirely to reduce your annual dues or generate some cash from your ownership. If your vacation patterns have changed and you find yourself with more points than you consistently use, a partial sale can right-size your ownership without giving up your home resort priority, membership status, or access to the DVC system.
We've helped members navigate partial point sales many times. The process takes longer than a standard full-contract sale because it requires Disney to split your existing deed into two separate contracts, but it's a legitimate path that works well for the right circumstances. Let's walk through how it works and whether it might apply to your situation.
How Partial Point Sales Actually Work
When you sell a portion of your DVC points, you're not selling points directly. You're splitting your contract into two separate deeds and selling one of them. If you own 200 points at a given resort and want to sell 75, Disney creates two new contracts from your existing one: a 125-point contract that you keep and a 75-point contract that transfers to the buyer. Both new contracts carry the same use year, home resort, and expiration date as your original.
This splitting process requires Disney's direct involvement. There's a $500 splitting fee paid to Disney that covers the administrative work of creating the two new deeds. This fee is paid by the seller and is separate from our commission and Disney's other closing fees.
The splitting process adds time to the overall transaction. A standard full-contract sale typically closes in 60 to 90 days. A partial sale with a contract split can run 12 to 16 weeks from accepted offer to completed transfer because of the additional deed creation step. If timeline is important to you, factor this in when planning.
After the sale closes, your remaining contract reflects your reduced point total. Your annual dues drop proportionally. If you were paying dues on 200 points and you sell 75, you'll pay dues on the remaining 125 points going forward. The core ownership structure of your remaining contract is otherwise unchanged.
When a Partial Sale Makes Sense
The most common reason members consider partial sales is a change in vacation patterns. Families whose children have grown and left home often find they're sitting on more points than two adults can comfortably use each year. Members who purchased points during a period of frequent Disney travel sometimes find their visit frequency has changed and the point total they needed then is more than they need now.
Partial sales also make sense when a member wants to reduce annual dues without fully exiting their ownership. If your dues feel burdensome relative to what you're getting from your membership, selling some points reduces that annual obligation while keeping you in the program. Keeping 100 to 125 points often supports one solid annual trip or provides flexibility to bank and borrow for alternating years.
Some members use a partial sale to generate cash while retaining their membership, effectively treating the sold portion as a liquidity event without fully unwinding their position. This is a reasonable approach if your financial situation calls for it and if the residual point total still supports your vacation goals.
And some members who own at multiple resorts use partial sales to consolidate. If you own separate contracts at two resorts and want to focus on one, selling your smaller contract at the secondary resort can free up capital you can redirect toward adding points at your primary home resort through the resale market.
Market Pricing for Partial Sales
Partial sale contracts follow the same market pricing dynamics as full contracts at the same resort. Per-point pricing is driven by home resort, use year, expiration date, and current market conditions. You can see current market activity for all resorts on our market report.
One nuance: smaller contracts sometimes sell at a slight per-point discount compared to larger contracts at the same resort. Buyers who want a large allocation are generally less interested in a 50 or 75-point contract, which can slightly compress per-point pricing at smaller sizes. Contracts in the 75 to 150 point range tend to have the broadest buyer demand, since they serve buyers looking to supplement an existing membership or enter DVC at a manageable cost.
The specific point allocation you decide to sell can affect pricing somewhat. Before committing to a specific split, it's worth discussing current market dynamics with our team to understand whether the size you're considering matches current buyer demand well.
What You Keep After a Partial Sale
Your retained contract after a partial sale functions exactly as any DVC contract does. You keep your home resort priority at the 11-month booking window. You keep your membership status and any associated member benefits. Your use year and expiration date remain unchanged. The only differences are the reduced point total and proportionally lower annual dues.
One consideration: if you're splitting a contract with banked points in the account, the allocation of those banked points between the two new contracts needs to be addressed as part of the transaction. Our team handles this coordination, but it's something to discuss when you're evaluating the terms of any partial sale offer.
Full Sale vs. Partial Sale: How to Decide
A partial sale is the right path when you genuinely want to maintain some DVC ownership and your residual point total will continue to serve a real vacation purpose. If you're keeping 50 points primarily to avoid paying the split fee rather than because you'll actually use 50 points effectively, a full sale might serve you better economically.
A full sale makes more sense when your Disney vacation priorities have shifted substantially, when you'd rather deploy the capital elsewhere, or when the remaining point total after a partial sale wouldn't realistically support meaningful vacation use. If you're unsure which path makes more sense for your situation, we're happy to walk through the math with you without any obligation to list either way.
Our cost-to-sell page covers the fees involved in a full sale, and we can walk you through the comparable numbers for a partial sale during any consultation. If speed of sale is a priority, our instant sale program may be relevant for full contracts, though it does not typically apply to partial sales which require the Disney splitting process.
Our Process
We are a licensed real estate brokerage. When you work with us on a partial point sale, we handle the listing, buyer qualification, offer negotiation, Disney submission, and closing coordination. Our commission is 6.9% of the sale price, below the industry average. The seller pays the $150 Disney Estoppel Fee and the $500 Disney contract splitting fee. The buyer pays the $500 Disney Administration Fee.
Getting started is straightforward. Reach out to our team with your contract details: home resort, current point total, use year, and what portion you're considering selling. We can give you a realistic picture of current market pricing and timeline expectations before you commit to anything. There's no cost to discuss your options.
Frequently Asked Questions
Q: Is there a minimum number of points I can sell in a partial sale?
Disney generally requires a minimum contract size for both the contract you're selling and the contract you're retaining. The specific minimums can change, and it's worth confirming current requirements before planning your split. Most members find that contracts below 25 points are not worth splitting given the administrative costs involved.
Q: Will a partial sale affect my home resort priority?
No. Your retained contract maintains full home resort priority for your home resort. The booking window, use year, and all other ownership characteristics of your retained contract are unchanged by the partial sale.
Q: Can I do a partial sale if I have an outstanding loan on my contract?
A loan on your contract complicates a partial sale. The lender has a security interest in the full contract, and splitting the contract requires coordinating the loan payoff or restructuring. This is possible in some cases but adds complexity to the transaction. Discuss this specifically with our team if you have an existing loan.
Q: What happens to my banked or borrowed points during a partial sale?
The allocation of banked or borrowed points between the two resulting contracts needs to be addressed as part of the transaction structure. In most cases, banked points can be retained in your contract and the sold contract can be configured from a future allocation. The specific handling depends on your point status at the time of closing, and our team coordinates this with Disney as part of the transaction process.
