Currently we only have our first contract @ BLT so we are noobs to the Add-on thing. VGC will be an ADD-ON for us but I wasn't sure if there are closing costs for add ons or it depends on weather they are financed or not. I plan to try and pay $3500 on one credit card and the balance of the first 50 point contract plus $600 down for the second on a different card. (I don't want to max out my card with the best rewards!) Then I'll finance the remainder of the second contract.
I'm not sure what fees (closing costs, etc...) Disney charges with add ons, especially when there are multiple contracts involved. Sorry if I'm not wording this very well!!!