Top DVC Contracts with Low Out of Pocket Costs- June 2025
How to Buy a DVC Resale Contract with the Lowest Out-of-Pocket Costs
One of the most common questions we receive is, “How much do I have to pay upfront to buy a Disney Vacation Club resale contract?” The answer can vary, but if you’re looking for the lowest possible out-of-pocket costs—especially if you’re financing—this guide is for you.
Understanding the Upfront Costs of a DVC Resale Purchase
Because Disney Vacation Club resale contracts are legally considered real estate transactions, each purchase requires a good faith deposit held in escrow with the title company. This deposit is 10% of the purchase price, with a minimum of $500 and a maximum of $2,000.
However, this deposit is not always your final out-of-pocket cost. If your total expenses—including financed amounts—come in below your initial deposit, the difference will be refunded to you at closing.
In this blog, we’re focusing specifically on total out-of-pocket costs after factoring in any reimbursements or credits at closing. This gives you the clearest picture of what you’ll actually need to pay to secure your DVC contract.
Pro Tip: Contracts with No Points for Next Year = Lower Costs
Some of the lowest out-of-pocket contracts are those without any points available for the next use year. Why? Because annual dues on those contracts are credited back to the buyer by the seller at closing. While you’ll still be responsible for paying dues when the new year begins, this structure can significantly reduce your upfront expenses.
This makes it a great strategy for buyers who want to become DVC members now without having to make a full financial commitment up front or in even some rare cases you can buy a contract and start off with a credit.
Top Picks for Lowest Out-of-Pocket DVC Resale Contracts
Below, we’ve highlighted some of the best DVC resale contracts currently listed through DVC Resale Market for buyers looking to keep their upfront costs as low as possible.
These listings were chosen based on:
- Low required down payments
- Favorable financing options through Monera (including the ability to finance closing costs)
- Reimbursement of dues at closing (where applicable)
- Overall affordability
Monthly payments shown are based on Monera’s no-credit-check loan with a 12-year term.
| Resort–Points–Listing ID | Asking Price Per Point | Minimum Down Payment with Monera Financial | Annual Dues | Estimated total out of pocket cost | Monthly Payment through Monera Financial( No Credit Check/ 12-year term) |
| Bay Lake Tower–50–BLC3200 | $149 | 6.7% with No Credit Check($500) | $0 for2025 & Credit of $401 for 2026 dues | $485.15 | $129.28 |
| Animal Kingdom–100–AK25522 | $108 | 5% with No Credit Check($540) | $0 for2025 | $936.00 | $186.53 |
| Grand Floridian–100–GF32830 | $165 | 5% with No Credit Check($825) | $0 for2025 | $1,239.70 | $280.05 |
| Old Key West–220–OK24338 | $76 | 5% with No Credit Check($836) | $0 for2025 | $1,250.70 | $283.59 |
| Animal Kingdom –250–AKE5473 | $95 | 5% with No Credit Check($1,188) | $0 for2025 + credit of $2,413 for used 2025 pts. | Credit to Buyer at Closing $795.65 | $398.13 |
Final Thoughts
Buying into Disney Vacation Club doesn’t have to require a large upfront investment. By understanding how deposits, financing, and dues credits work—and by choosing the right contract—you can become a DVC Member with minimal out-of-pocket cost.
If you have questions or want help finding the right contract to meet your budget, our team is here to help!
Disclaimer: Contracts noted in the chart are active listings at the time of this publication. Due to the ever-changing market, they may become sale-pending or removed from the market at any time. Loan options and interest are subject to market fluctuations.
Check out current DVC Resale Market listings here: https://www.dvcresalemarket.com/listings/ To speak with a team member about financing: Call us at 1-855-DVC-FUND (382-3863) or email us at info@monerafinancial.com. We look forward to helping you make your DVC dreams a reality!
