Depends on the number of points. 150 points is around $450. Plus you have to pay lump sum maintainence fee if banked points are available for you to use. If you buy through Disney there are no closing costs.
You will find that a number of The Timeshare Store, Inc. sellers are electing to pay closing costs and some are absorbing maintenance fees for '05. If you don't happen to see it on the listing, you can always make an offer! It's up to them whether they want to take it or not.
Some have had to do it in order to compete with DVC incentives.