Need advice for Financing

[Aditya Namjoshi]

Recently purchased a property for around 88k and looking for financing with 25% down. What I am realizing is that discount points and closing costs itself is accounting to around 4-5k. Some of these costs are mandatory e.g. Title Company, Appraisal etc. that comes to around 2.2k. Another 2k is points to get a rate of 5.125. 

Does it make sense for me to take this financing option or just use my HELOC to finance this property? Any advice would be appreciated. I just need 66k (75% of 88k) to finance this property.