To get 100% mortgage or pay 5% down?

I found the place of my dreams a little earlier than expected (6 months earlier). So needless to say I wasn’t as far along in my savings as expected. By the time I close I will have enough for down payment and closing costs. But then I’ll be wiped out.

Should I make the down payment and have no savings or get a 100% loan. With the current savings and a 100% loan, I can pay off my credit card debt, start an IRA, buy furniture, and start the remodeling process/or have a savings.

BTW-I’ve been approved for both loans. And I have no retirement started and I’m 27. And I hate credit card debt!

What would you do?
Total monthly payments would be pretty equal. Maybe a $ 20-50 difference.

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