Why are you talking to the dealership at all?
Honda, along with many other manufacturers, are not allowing refinances thru 3rd parties, but if you can come up with a check, you can buy out the lease as stipulated in your contract.
Just get the payoff amount directly from Honda Financial and send them the check and they will send you the title. If you need to finance the payoff amount, it gets sticky. They can't prevent you from buying out the lease, but they can refuse to honor that price for a 3rd party (your CU). An agreement that transfers the title to anyone but you will be off the table. It is possible that you can get the title in your name with your CU as a lien holder, but Honda will resist this as much as they can.
They (Honda Financial) have to allow you to buy the car at the already negotiated price, but they don't have to do so for a 3rd party/lien holder.
There likely is a disposition fee (it will be spelled out in your original lease docs), but none of the other garbage they are trying to add.
What the dealer and Honda really want is for you to trade it in and buy a new Honda.

Honda, GM Say You Can't Sell Your Lease to Someone outside the Brand
The chip shortage and demand for used cars both mean car dealerships want to make sure they get their own cars back when the lease term is over.