Heloc or cash for down payment

[Brandon Spilove]

Hi all, I know there are other posts here about using heloc for down payment which are very informative. What I'm wondering is slightly different. I'm looking to buy a property for 150k and put 20% down which is 30k. I have the cash available and I could cover the down payment on my own without the heloc. But should I get the heloc anyway just so I can "use the banks money"? The heloc means I have to pay interest and add a lien on my primary residence so should I just use the cash?