Hi! After MUCH consideration (and countless trips to WDW with my mom's DVC membership...thanks mom!), I am seriously considering purchasing DVC. I've been reading posts, and am a bit confused about closing costs. If I buy directly through Disney, do I still have to pay closing costs up front, or do they fold that cost into the total price? I'm on the fence about going through Disney or re-sale. Closing costs are a BIG factor... Any help/info/advice would be greatly appreciated! Thank you!!!