We recently moved into a new house with almost the same exact dilemma -- I'm not going to give advice specific to costs/benefits, but when we were deciding, we figured that the extra ~$4000 or so it would cost, when tacked on to our mortgage, would actually end up costing us at least double. It might be an idea to go with a third option ... to wait a while, save for the purchase, and still have it professionally done.
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