You can add it to a package booking up to 3 days before check-in (there are reports from some posters who were told 6 days but 3 days has been the standard).
If you add DDP to a package booking within 45 days of check-in you must pay for it in full when you add it.
If you are a DVC member or renting points from a DVC member, you must add DDP to your reservation up to 2 days prior to check-in. No matter when you add it, you will pay for it at check-in.
In the past we paid off our package at the 45 day mark, added the dining plan a couple weeks later when DH got paid again, and upgraded to the deluxe on the pay period after that. For us it was a good way to defray the cost.
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