Blue Card decision for Poly, Copper Creek, or VDH?

[VGCgroupie]

Now I need to prepare the math analysis for my DH who is all about the numbers (not my strength).

• 245 per point x 150=$36,750
• $23 per point developer discount on 150=$3,450
• $33,300
• $1,500 70th anniversary discount=$31,800
• D23 discount of $500‎ = $31,300
• $20 x 150 for Magical Beginnings=$3,000
• Subtotal: $28,300

Closing Costs:

• Splitting into three 50 point contracts: $250 x 3=$750
• Document prep fee: $146.48 (is this charged just once?)
• $896.48 Total for closing
• Subtotal after closing: $29,196.48

2 X rewards using Disney VISA=$583.92
Total: $28,612.56

Not sure how the pro-rated dues for 2026 works, but if I sign Feb 1st I assume at least January is removed?:
Pro-rated annual dues discount of January: $131.75
Total Cost with dues discount: $28,480.81
Cost Per Point $189.87

If I didn’t split the contract:
Total Cost: $27,980.81
Cost Per Point $186.53

I could also factor in the cost savings of paying with the Disney VISA vs financing, with that 6 months of 0% interest (8 months with spaced out payments to DVC?), but haven’t looked at the financing numbers since I can’t use it yet as a new resale member.

To compare with a 150 point resale contract currently pending with 2026, and 2027 points at $158 per point and 2026 annual dues:
Total cost estimate with closing & dues: $26,480
VS
Direct price with annual dues of $1,581 and closing cost on 150:
Total: $29,562.00

Cost savings to buy resale of a 150 point contract:
$3,082

If 50 point contracts on the resale market are valued at $20 per point higher than a 150 contract it would be a $3,000 premium value (not sure the seller closing costs between the two), and only $500 extra to do the split. That would make up for the extra in cost to buy direct before the perks are factored in. Even if small contracts did go down in value spread from larger contracts, those direct points are a great deal with current resale prices.

Is this math correct? Are there any extra costs or discounts I am missing?

Dues will be billed to your account not paid at closing when buying.

The document prep fee is the $250. The other is closing cost fee. It will be charged to each contract.

It all looks correct to me. I would be sure to ask to do delayed close just in case the incentives are better on Feb 10.

 

[Sandisw]

Am I the only person with no desire to break up my possible direct point purchase in the future?

No…I don’t use or consider resale value as part of the equation.

 

[Makai]

Dues will be billed to your account not paid at closing when buying.

The document prep fee is the $250. The other is closing cost fee. It will be charged to each contract.

It all looks correct to me. I would be sure to ask to do delayed close just in case the incentives are better on Feb 10.

Thank you! For some reason my guide sent me the incentive pricing sheet for new members when I told him I had decided on VDH. I became a resale member in July 2025, but he told me the year requirement was only for financing and not cash buyers to get the member discount (I am paying with my Disney VISA). I sent him an email since he isn’t working today to ask. Last week he told me I qualified for the member discount, so I’m hoping this was just an error!

 

[VGCgroupie]

Thank you! For some reason my guide sent me the incentive pricing sheet for new members when I told him I had decided on VDH. I officially became a member in July 2025, but he told me the year requirement was only for financing and not cash buyers to get the member discount (I am paying with my Disney VISA). I sent him an email since he isn’t working today to ask. Last week he told me I qualified for the member discount, so I’m hoping this was just an error!

You 100% qualify for current member discounts. The one year is only for financing not for cash purchase with a payments spread for a delayed close.

 

[davidhr]

Am I the only person with no desire to break up my possible direct point purchase in the future?

I consider $0 for resale value when considering a purchase. If I have to sell for any reason, even getting $1 is more than I considered.

**No, I’m not expecting the value to be $0. I just don’t buy if I’m not comfortable saying goodbye to that money.

 

[Makai]

You 100% qualify for current member discounts. The one year is only for financing not for cash purchase with a payments spread for a delayed close.

Phew! I was a little worried there when I opened that email!

 

[AstroBlasters]

I asked my guide about the parking issue at VDH if the expansion is taking over the current DLH lot, but he didn’t know. We will often be driving our own car to DLR to do some beach time, and exploring. Is this unknown still in the plans? Is it possible VDH will charge for parking? Not a deal breaker for us, but just curious what the latest prediction or update is on it.

My understanding is that parking is not guaranteed in the contract like it is a VGC.

 

[AstroBlasters]

I consider $0 for resale value when considering a purchase. If I have to sell for any reason, even getting $1 is more than I considered.

**No, I’m not expecting the value to be $0. I just don’t buy if I’m not comfortable saying goodbye to that money.

I consider the resale value when making a purchase of almost any significant investment or large purchase where an active market exists. For example, I wouldn’t have bought any DVCs if there wasn’t an active resale market.

 

[VGCgroupie]

I consider the resale value when making a purchase of almost any significant investment or large purchase where an active market exists. For example, I wouldn’t have bought any DVCs if there wasn’t an active resale market.

Completely agree. I bought with the knowledge that no resale value is guaranteed. But had there not been a strong resale market I never would have purchased. So for me resale value certainly plays a part in what DVC purchases I make and how to buy them (ie: split contracts, direct vs resale)

 

[Wedgeout]

Is it possible VDH will charge for parking? Not a deal breaker for us, but just curious what the latest prediction or update is on it

Anything possible but I’m going to say it will stay as is now. Up to two vehicles $0.
They were confused when opened because DLR charges public parking. ($45 plus taxes per night, I think it’s up to). Not sure if realized were honoring that at VGC self parking already.

Deciphering the Disneyland Forward cartoon art. Will remodel the current north end of convention center (have roof & underground now). Make it a multi level parking structure (something like you see at Aulani & Pixar Hotel). The hotel entrance will be changed to that end with in/out off S. Walnut.

 

[AstroBlasters]

Anything possible but I’m going to say it will stay as is now. Up to two vehicles $0.
They were confused when opened because DLR charges public parking. ($45 plus taxes per night, I think it’s up to). Not sure if realized were honoring that at VGC self parking already.

Deciphering the Disneyland Forward cartoon art. Will remodel the current north end of convention center (have roof & underground now). Make it a multi level parking structure (something like you see at Aulani & Pixar Hotel). The hotel entrance will be changed to that end with in/out off S. Walnut.

I think this is the the most likely outcome, but I remember people pointed out that it was the first DVC resort where parking was not expressly included in the contract.

 

[Wedgeout]

I think this is the the most likely outcome, but I remember people pointed out that it was the first DVC resort where parking was not expressly included in the contract.

I know really was strange being on the website describing parking members receive. I was even nervous first visit to Aulani parking. All went great. WDW isn’t as greedy yet with guest parking.

 

[Wedgeout]

That $0 Parking really looks good as it offsets our Duo TOT stings.

 

[AstroBlasters]

I know really was strange being on the website describing parking members receive. I was even nervous first visit to Aulani parking. All went great. WDW isn’t as greedy yet with guest parking.

The parking at Aulani is so important.

 

[davidhr]

I consider the resale value when making a purchase of almost any significant investment or large purchase where an active market exists. For example, I wouldn’t have bought any DVCs if there wasn’t an active resale market.

That’s fair and it’s the only reason why DVC is the only timeshare I own.

But there’s no guarantee that there’s going to be a healthy market tomorrow. No approach here is right or wrong. I just play it more conservative.

 

[AstroBlasters]

That’s fair and it’s the only reason why DVC is the only timeshare I own.

But there’s no guarantee that there’s going to be a healthy market tomorrow. No approach here is right or wrong. I just play it more conservative.

Agreed, no guarantees, not an investment where one should expect a profit.

 

[davidhr]

Agreed, no guarantees, not an investment where one should expect a profit.

Exactly. The big thing for me is knowing there’s a painless way out. If I can get some cash while doing it, that’s a plus.

 

[Makai]

Completely agree. I bought with the knowledge that no resale value is guaranteed. But had there not been a strong resale market I never would have purchased. So for me resale value certainly plays a part in what DVC purchases I make and how to buy them (ie: split contracts, direct vs resale)

I love the safety net of being able to sell it in case the annual dues became insanely high, but otherwise the resale value is not much of a concern for me. For my hubby though, I used the resale value factor to convince him we needed DVC instead of Marriott. We just don’t want to end up with a timeshare we can’t get rid of even for free.

 

[Genie+]

Now I need to prepare the math analysis for my DH who is all about the numbers (not my strength).

• 245 per point x 150=$36,750
• $23 per point developer discount on 150=$3,450
• $33,300
• $1,500 70th anniversary discount=$31,800
• D23 discount of $500‎ = $31,300
• $20 x 150 for Magical Beginnings=$3,000
• Subtotal: $28,300

Closing Costs:

• Splitting into three 50 point contracts: $250 x 3=$750
• Document prep fee: $146.48 (is this charged just once?)
• $896.48 Total for closing
• Subtotal after closing: $29,196.48

2 X rewards using Disney VISA=$583.92
Total: $28,612.56

Not sure how the pro-rated dues for 2026 works, but if I sign Feb 1st I assume at least January is removed?:
Pro-rated annual dues discount of January: $131.75
Total Cost with dues discount: $28,480.81
Cost Per Point $189.87

If I didn’t split the contract:
Total Cost: $27,980.81
Cost Per Point $186.53

I could also factor in the cost savings of paying with the Disney VISA vs financing, with that 6 months of 0% interest (8 months with spaced out payments to DVC?), but haven’t looked at the financing numbers since I can’t use it yet as a new resale member.

To compare with a 150 point resale contract currently pending with 2026, and 2027 points at $158 per point and 2026 annual dues:
Total cost estimate with closing & dues: $26,480
VS
Direct price with annual dues of $1,581 and closing cost on 150:
Total: $29,562.00

Cost savings to buy resale of a 150 point contract:
$3,082

If 50 point contracts on the resale market are valued at $20 per point higher than a 150 contract it would be a $3,000 premium value (not sure the seller closing costs between the two), and only $500 extra to do the split. That would make up for the extra in cost to buy direct before the perks are factored in. Even if small contracts did go down in value spread from larger contracts, those direct points are a great deal with current resale prices.

Is this math correct? Are there any extra costs or discounts I am missing?

I’m a little late to party… page 16 lol.

When considering the split of our direct contract I liked the idea of 100/50. If we later decided to downsize, the choice would be a little or a lot. With three 50 pointers, we’d either be selling 1 or selling 2 anyway. I didn’t foresee us selling incrementally over time.

# of points for blue card goes to the rules in place at time of purchase. So if I bought one 100pt contract and two 50pts today, I’d remain qualified as long as I kept 150pts of them no matter what new minimums come into play. But say the min later goes up to 200pts and I sold 100 of the 200 pts bought today (assuming not holding any other qualifying points), I’d then need at least another 100pt contract to qualify again.

 

[Girlstar30]

I asked my guide about the parking issue at VDH if the expansion is taking over the current DLH lot, but he didn’t know. We will often be driving our own car to DLR to do some beach time, and exploring. Is this unknown still in the plans? Is it possible VDH will charge for parking? Not a deal breaker for us, but just curious what the latest prediction or update is on it.

They better not charge