Using a credit card for closing costs

[Edward Zachary Samperio]

I am looking to purchase a multi family property using my VA loan. My only issue is having the cash on hand for closing costs. I have plenty in my Roth IRA account, but I don't think pulling out that money would be smart. My question is:

Is it advisable to use my credit card to pay for closing costs? (Credit limit being over 20k). Or, should I just wait to save enough cash?

[Erik Browning]

Consider taking a higher rate in exchange for lender credit. I'll attach a rate sheet to illustrate what this means, but essentially you will get a credit that you can use for closing costs. Similar to paying down points, this goes in the opposite direction.

You can also ask the seller for seller credit.

Don't use a CC.