I just realized that in both of your examples, you are borrowing the same amount, so in that case, it really doesn't matter what you do. You aren't saving any money in interest either way since the mortgage amount is that same. If, in example B, you would be taking out a smaller mortgage, that would save you in interest, but if it is just a matter of shifting money around and ending up with the same loan, I don't see where it matters.
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Steve
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