Just to clarify, if you are not already a
DVC member, then when you buy through Disney, you WILL have some closing costs to pay, but they will be lower than if you purchase resale. Disney subsidizes some of the closing costs. (They use to pay ALL the closing costs, but they changed that a couple of years ago and now the buyer pays some of the closing costs)
Once you're a member, and you do any Add-On's through Disney, DVC pays all the closing costs for the add-on.