I wouldn't be surprised if Disney charges closing costs on each of the 25 point contracts (versus one time closing cost on the 100 point contract). Something to ask your guide about. Plus, I just read that you have to pay cash for the 25 point contracts. Disney will only offer financing for 50 point or higher add-ons. So if you don't have 10+ grand laying around, you might need to go with higher contracts. I also heard that as of 1/15/09 the smallest point contract you will be able to get is 100 so if you're looking to get the smaller ones you better act fast (unless you go the resale route). Good luck