How do I figure whether Disney or a resaler is the way to go? Lets make it simple and pretend I'm buying 200 pts and I'm not locked on a particular home resort. Disney selling BCV would cost me 200 x 84 = 16800.00 A resale at lets say VWL going for 70/pt would be 200 x 70= 14000.00. (no banked /borrowed pts to make it easy Feb use year full points for 04) Since no pts for 03 I shouldn't have to pay for 03 but Would be responsible for 04 tax/maint (which would be same for Disney) My Dh isn't into the MB, he doesn't want to lose a whole year. So it looks like resale would save me $2800.00 How do I calculate in closing costs?? What are they on average. I may pay cash so I'm not considering financing.