Did you buy direct from Disney or resale? It's only available direct from Disney. How it works is you sell back a portion of your first year points for a set price (I think the way it works now is WLV is $5/pt, VB & HH is $10/pt). Say you bought 150 points at WLV, you could sell back up to half, 75 points for $5/pt or $375. The $375 would be part of your down payment. I don't think it's a very good deal at $5/pt, you are better off keeping the points and using them this year or banking them.