Yes, on all direct purchases.
I know that for quite a while they didn't charge closing costs on add-ons, but that is no longer the case. Not sure what they did in the early days of the program.
To address the fee issue further. DVC starts the maint fees from the date you sign the contract, the UY you get points or the date you get points, which ever is later. That brings into discussion 2 issues. One is that even if you would have bought the same points earlier, you may pay less points on them. This is a sales benefit, and not one to expect in other situations including resale. The other issue highlights the FACT that the general default for most resale companies of "you get the points you pay the dues" is simply incorrect and results in overpaying the dues on most resale contracts. In the Dec UY example above when one pays their dues in Jan of say calendar year 2016 you're paying 11 months of the points attributed to the previous UY points (2015 in this example) and only 1 month of the 2016 points. Say one bought a resale contract now with 2015 points in tact but no current points, one would be overpaying by 11/12 of the yearly dues as calculated for June, 2016. This is simply how the MF are calculated and cannot be attributed to a sales benefit alone. I don't think we're going to change how the resale companies do this since they would be correct on almost every other timeshare I know of so one simply must consider it as part of the cost of a resale just like the higher closing costs and any points not available.
That is correct. They used to charge a very small closing cost, but now to make up revenue they charge a rather large closing fee
