[SK, Canada] First time buyers need help choosing how to pay for mortgage on a home we have conditionally offered on.

Our offer of $255k was accepted for a house that needs $7-8k worth of work done immediately to reshingle the roof. We approximately $32k cash available for a downpayment.

Which option sounds better?

a) We add the cost of the new roof to our mortgage principal amount and then pay a 10% deposit.

OR

b) we pay for the roof from our cash reserves and only put down a 5% downpayment.

Or does it make much of a difference?

Thanks for any advice!