Down payment % question

Thanks for the replies... We jusr refinanced our house and bought a new car, didn't think our FICO score would matter for the short term, so we started closing our CC accounts, sort of a Dave Ramsey Lite method, thought $10K credit line would be all we would ever need...

Then we have decided to do a June 2010 trip and are wanting to buy DVC, something we never thought of before...
 













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