Let's say I have a car loan of $45,000 at a interest rate of 3.5% My monthly rate for is 63 Months and my monthly payment come out to $897 with + interest included. Now let's say that I want to play the $45,000 off the on car through a HELOC. The HELOC Will come from my home that is valued at 300,000 completely paid off. Additionally, I'm looking to pay buy a house that is valued at 600k

Let's say I have a car loan of $45,000 at an interest rate of 3.5%. My monthly rate for is 63 Months and - my monthly payment comes out to $897 with + interest included. Now let's say that I want to play the $45,000 off the on car through a HELOC. The HELOC Will come from my home that is valued at 300,000 completely paid off. Additionally, I'm looking to buy a house that is valued at 600k to make a 20% down payment for that house and to pay off the car I will take out a HELOCK of $165,000. However, I also have $45,000 cash on hand to pay off for the car and if I do that, I only need to get a 20% HELOC loan for my down payment which will be at 3.5% interest rate also. What is the best approach in which I save the most money