If you are planning to purchase a larger number of Disney Vacation Club® (DVC) points, you may face an important decision: Is it better to buy one large DVC contract or two smaller contracts?
For example, if you want to purchase 300 DVC points, you might find one 300-point contract or purchase two 150-point contracts. Either option gives you the same total number of points, but the way those points are divided can make a significant difference in your upfront costs, flexibility, and future resale options.
There is no single right answer for every buyer. Let’s look at the advantages and disadvantages of DVC large vs. small contracts so you can decide which ownership structure makes the most sense for your family.
Option 1: Buying One Large DVC Contract
Purchasing one larger DVC resale contract is often the more cost-effective option upfront. It can also make managing your membership a little simpler (depending on the situation).
Advantages of One Large DVC Contract
Lower overall closing costs
When you purchase one contract instead of two, you only have one set of closing costs. Depending on the contracts you are considering, this can create meaningful upfront savings. Closing costs typically run around $550-$950, depending on the package’s sale price. Your closing costs will cover your title insurance, recording fees, doc stamps on the deed, and any county taxes that are applicable
Only one Disney Contract Administration Fee (CAF)
Beginning January 1, 2026, Disney Vacation Club Management, LLC introduced a $500 Contract Administration Fee (CAF) for resale contracts. Because the fee applies to each resale contract, purchasing one larger contract rather than two smaller ones can save you an additional $500.
Simpler ownership
One contract means one deed and one contract to use when booking reservations, banking, or borrowing your points. The Disney member website is very user-friendly and easy to use for managing multiple contracts. However, if you only have one, it’s one less thing to worry about.
Disadvantages of One Large DVC Contract
Potentially fewer buyers in the market if you ever need to resell
Larger contracts can have a higher total purchase price, which may reduce the number of buyers who can afford or need that many points.
A 300-point contract, for example, requires a much larger financial commitment than a 100- or 150-point contract. As a result, a larger contract may sometimes take longer to sell.
The average purchase for Most DVC members is between 150 and 350 points. So anything above 350 points can take a little longer to sell because there are fewer buyers who need that many points. The package will still sell, but the time on market can be a little longer, and the price will generally be reduced slightly because demand is not as high.
Less flexibility in the future
A DVC contract is a deeded real estate interest and cannot simply be divided into smaller pieces later.
If you own one 300-point contract and eventually decide you only need 150 points, you cannot sell a portion of the contract. You would need to sell the entire 300-point contract.
That is one of the most important long-term considerations when comparing DVC large vs. small contracts.
Option 2: Buying Two Smaller DVC Contracts
Purchasing two smaller contracts may cost more initially, but it can provide considerably more flexibility in the future.
For example, instead of purchasing one 300-point contract, you could purchase two separate 150-point contracts.
Advantages of Two Smaller DVC Contracts
Greater resale flexibility
Smaller DVC contracts often appeal to a broader range of buyers because the total purchase price is lower.
If you eventually decide to sell, having two smaller contracts gives you more options.
Sell one package and keep the other
This may be the biggest advantage of owning multiple contracts.
Suppose you purchase two 150-point contracts for a total of 300 points. Ten years from now, your vacation habits change, and you determine that you only need 150 points.
Instead of selling your entire DVC ownership, you could sell one 150-point contract and keep the other.
With one 300-point contract, you would not have that option.
More options for estate planning
Separate contracts can also provide additional flexibility when planning how your DVC ownership may eventually pass to your children or other family members.
For example, a family with two children may prefer owning two separate contracts rather than one large contract. This could make it easier to transfer or leave individual contracts to different family members.
Owners should consult an attorney or estate-planning professional regarding their individual circumstances, but having separate contracts can provide this option.
Disadvantages of Two Smaller DVC Contracts
Higher upfront costs
Purchasing two contracts generally means paying two sets of closing costs.
You may also incur Disney’s $500 Contract Administration Fee on each resale contract. Therefore, two contracts can cost noticeably more to acquire than one larger contract.
For some buyers, the additional flexibility is worth the extra upfront expense. For others, minimizing acquisition costs is more important.
Finding the right Use Year can take longer
If you want your contracts organized under the same DVC Membership, you must purchase contracts with the same Use Year and title the package the same on each contract.
However, the resale market changes constantly. The exact resort, number of points, price, and Use Year you want may not always be available simultaneously.
So, you may need to be patient as you wait for the right combination of contracts.
One 300-Point DVC Contract vs. Two 150-Point Contracts
Here is a simple way to think about the difference.
One 300-point contract may provide:
- Lower upfront transaction costs
- One $500 Contract Administration Fee
- One deed to manage
- A simpler ownership structure (but not by much)
Two 150-point contracts may provide:
- Greater flexibility if your vacation needs change
- The ability to sell one contract and keep the other
- Potentially easier resale because of the smaller contract sizes
- More options when transferring ownership to family members
The tradeoff is essentially lower costs today (for one larger contract) versus greater flexibility tomorrow (for two smaller contracts).
Which DVC Contract Size Is Right for You?
If your primary goal is keeping your initial purchase costs as low as possible and you expect to use all of your points for many years, one larger DVC contract may be the better choice.
However, if long-term flexibility is important to you, two smaller DVC contracts may be worth the additional upfront cost.
Before making your decision, ask yourself:
- How many DVC points will my family realistically use each year?
- How long do I expect to own my DVC Membership?
- Could my vacation habits change in the future?
- Would I ever want to sell only a portion of my points?
- Do I plan to eventually pass my DVC ownership to my children or other family members?
- Is saving money upfront more important than having additional flexibility later?
Your answers can help determine which ownership structure makes the most sense.
Don’t Look at Price Per Point Alone
When purchasing DVC resale, it is easy to focus almost entirely on the price per point. While price is certainly important, contract structure deserves consideration as well.
The contract you purchase today could remain part of your family’s vacations for decades. Your travel habits, family size, and vacation needs may look very different 10 or 20 years from now.
Spending a little more upfront for multiple contracts could provide valuable flexibility later. On the other hand, if you are confident you will use the points long term, purchasing one larger contract could save you money at closing.
Let Us Help You Find the Right DVC Contract
If you are considering purchasing a larger number of Disney Vacation Club points, email our team at The Timeshare Store, Inc.® or feel to call 800-550-6493 so we can help you compare both options.
Rather than looking only at price per point, we can help you evaluate available contracts based on resort, Use Year, point availability, closing costs, Disney’s Contract Administration Fee, and your long-term ownership goals.
Whether one large DVC contract or two smaller contracts makes more sense depends on your family’s plans. Our goal is to help you find the DVC ownership structure that works best for you today—and gives you the flexibility you may need in the future.
Written By:
For over 23 years, Yamilin has been a vital part of The Timeshare Store, Inc.® (DVCstore.com), where she serves as a trusted DVC Sales Specialist and Accounting Manager. Her deep knowledge and commitment have helped thousands of families confidently explore and enjoy the magic of Disney Vacation Club.