Massive Cost Came Up, Do I deplete savings and take out a loan for the rest, or save up?

I just found out that the foundation on part of my home is not deep enough and I need to spend about $9000 replacing it. Once I get the tax refund on my unemployment income, I'll have around $4000. I'm trying to figure out if I take out a loan for the remainder, leave my E-fund of around $1500 intact and take out a loan for $6500 or wait a year until I can save up to pay for the foundation without a loan. It looks like a loan will cost me about $300.