Life circumstances change, and sometimes DVC owners need to sell their membership. Understanding the selling process helps you maximize value and navigate the transaction smoothly.
The DVC Selling Timeline
Typical Timeline: 60-120 Days
| Listing & Marketing | 2-8 weeks |
| Negotiate & Accept Offer | 1-2 weeks |
| Contract Signing | 1 week |
| Disney ROFR Period | 25-35 days |
| Closing & Payment | 10-21 days |
Preparing Your Contract for Sale
Before listing, gather important information buyers will want:
Contract Details Checklist
- Home resort name
- Total points in contract
- Use Year
- Current year points status (available, used, banked, borrowed)
- Annual dues amount
- Any special assessments pending
- Contract expiration date
Pricing Your Contract
| Factor | Impact on Price |
|---|---|
| Loaded points (current year available) | +$5-15 per point premium |
| Stripped points (already used) | -$5-15 per point discount |
| Banked points included | +value of banked points |
| Borrowed points (owed) | -value of borrowed points |
| Contract size (smaller = harder to sell) | Small contracts may need price adjustment |
Selling Costs
Typical Seller Expenses
- Broker commission: 10-15% of sale price (if using a broker)
- Closing costs: $200-$400 (title company fees)
- Estoppel fee: $50-$100 (Disney's verification letter)
- Prorated dues: Owe through closing date
Understanding ROFR as a Seller
Disney's Right of First Refusal means they can purchase your contract at the agreed price instead of letting it go to your buyer. If Disney exercises ROFR:
- You receive the full sale price from Disney instead of your buyer
- The transaction typically closes faster
- You may need to pay any broker fees regardless
Tax Considerations
Selling DVC may have tax implications. If you sell for more than you paid (including closing costs), you may owe capital gains tax. Consult a tax professional for advice specific to your situation.