Short on cash, should I tap into my ESOP or 401k?

[Alexandria Nicole Salgado]

I'm interested in purchasing an STR in the Smokey Mountains for the lowest purchase price possible. I'm thinking somewhere in the 400k range might be my max budget. I'm interested in doing a vacation home loan with 10% down. I'm short on cash when factoring in closing costs. I understand there are also start up costs which I'm comfortable funding with credit cards. I have zero debt. I have a current 401K, old 401k from a previous employer & an ESOP. Any thoughts on tapping into my ESOP? Or should I wait to save up enough cash?