As a new purchaser from Disney, you will pay a pro rata share of annual dues as noted above, from date of purchase (not later date of closing) to end of calendar year for a completed resort and current points. You will have the option to pay those dues all at once at time of closing or set up monthly withdrawals from your checking account. There is no interest on paying monthly so there is no total amount difference in doing that rather paying all at once. If you go the monthly withdrawal route, the first payment will not actually occur until about a month after closing which could easily be two months after the date you actually purchase. Your monthly payment will thus be higher than a pure month's worth of dues. Example: buy today, close a month from now and first payment date for dues may be June 1. You will thus pay your total pro rata share of dues from March 22 to December 31 in 7 monthly installments beginning on June 1. Thus, your monthly payment amounts will reflect that you are paying a little more than 9 months of dues (from date of purchase) in 7 months.