Mortgage now vs cash/refinance? Need advice!

[Charlie Anne]

I am about to close on a house and I’m trying to figure out the best option: cash close & refinance vs 3.5% mortgage right away?

The home needs 6 weeks of repairs. 

What do you recommend? 

With cash, I suppose there are lower closing costs now, and I wouldn’t be paying a mortgage right away. I know there will be closing costs for the refinance.

I want to follow the numbers, I’m having a hard time making accurate estimates.