Back in March 2025, Disney World lowered the down payment for its annual passes to $99 from $205– and increased the monthly payment depending on the type of pass. However, the lower down payment is no longer available, and the down payment has once again increased to $205.
While the down payment has increased, the monthly payments have decreased. So, while you pay more upfront, your monthly cost will be lower. At the end of the day, pass prices have remained the same; all that has changed is when you actually end up paying the cost.