My advice depends on the price of the house and the status of your interest rate lock and rates.

You are essentially risking an unknown change in interest rate for the 10K credit.

If it’s 250K property and you are not locked with your rate yet, then it’s probably worth stalling. If rates move against you during the interim the penalty is about $625 per year per quarter-point increase in rate.

If it’s 850K property and your interest rate is locked, then I probably would not stall. AT that level a quarter-point increase in interest rate is over $2k per year.