Tinkgrl is right. $3.88 per point covers maintnenance fees if you buy at SSR; mine are $4.25 per point bcs my home resort is BWV, and other home resorts are different (but SSR is the only one on offer right now direct from DVC).
So my annual maintenance fees for my 240 BWV pts are a little more than $1,000; but of course these same points are covering a long weekend (5 nights) in a gorgeous ocean view Inn Room at VB as well as nearly a week in a 2BR on October at BWV. If you are staying in the Home-Away-from-Home, Deluxe or even Moderate WDW hotels, we have found that owning DVC is a great deal.