Maintenance fees are negotiable also. Sometimes sellers won't split closing costs but willing to forgo reimbursement of current year's maintenance fees. (Assuming all points available) Not much difference sometimes! It's psychological I guess - esp., if maintenance fees were already prepaid in January. Note that sometimes they don't even ask for mf reimbursement - less likely through broker.
If you get a lot of banked points, they usually ask for current year's maintenance but not for prior year's. Depending on the amount of banked points, it's 'value' could compensate for some or all of the closing costs.
Each resale needs to be evaluated individually based on cost per point, banked/borrowed points, mf reimbursement, and closing costs.
Just some things to consider when purchasing resale.