Pay cash to avoid mortgage costs?

[J Berk]

I have just finished negotiating the purchase price of a lake house in central NY for 192,500. This is a buy and hold. Im going to keep it and use it and make love in it for many years. I am contemplating a couple ways to pay for it. 1. Traditional Mortgage using the company sofi.com. Their interest rates are super low if you have good credit. 2. Using 50k in cash, 50k from a heloc on my primary residence and using 3 credit cards with 0% interest rates for 12 -18 months and low or no fees. Doing it this way I figure i can avoid banks fees of about 3-4000 dollars buying the house for cash and then take out a Heloc to pay the cards back. Which way would you do it?