{"id":2182,"date":"2018-07-30T20:07:23","date_gmt":"2018-07-30T20:07:23","guid":{"rendered":"http:\/\/blog.himorty.com\/?p=2182"},"modified":"2019-05-09T00:01:46","modified_gmt":"2019-05-09T00:01:46","slug":"using-retirement-funds-payment","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/money-matters\/using-retirement-funds-payment","title":{"rendered":"Using Retirement Funds for Your Down Payment"},"content":{"rendered":"

Saving for retirement is important for your future.<\/p>\n

But for people hoping to buy a home soon, watching the balances on their retirement accounts grow while trying to come up with a down payment can be a little frustrating.\u00a0Why can\u2019t I just use the money I\u2019ve saved for retirement to buy a house?\u00a0\u00a0<\/span><\/i>A home can also be a pretty solid investment in your future, after all. Homes can appreciate in value over time. Plus, if you buy a home, you\u2019ll have a place to live. You can\u2019t live in your 401(k).<\/p>\n

Unfortunately, cashing out retirement funds for anything other than retirement can have some pretty significant downsides. Thinking about tapping into your retirement assets to buy a home? Here\u2019s what you need to consider first.<\/p>\n

Can You Use Retirement Funds for a Down Payment?<\/h2>\n

\"\"<\/p>\n

So, the first question: can you use retirement funds for a down payment? The very short answer is yes<\/i>. You can tap into your retirement savings and use the proceeds to make a down payment.<\/p>\n

If you\u2019ve got funds in your retirement accounts, liquidating your retirement assets is an option. People do it. At the end of the day, it is your money. You can do with it what you\u2019d like.<\/p>\n

That said, and this is important: just because you can<\/i> do something doesn\u2019t mean you should<\/i>.<\/p>\n

Pulling retirement funds out early can be very costly.<\/p>\n

Trading retirement savings for cash now is sort of like letting your cousin write your Tinder bio. Or wolfing down an entire pizza before hopping on a roller coaster.<\/p>\n

Fine, fine, fine. I get it. What kind of consequences are we talking about, really? <\/i><\/p>\n

The exact repercussions of taking retirement savings for a down payment will vary depending on where you\u2019ve currently got your retirement savings parked. We’ll cover IRAs and Roth IRAs, which have special provisions for would be homeowners; and 401(k)s, which don’t, but may still have your best I-need-the-cash option.<\/p>\n

Withdrawing Funds from an IRA<\/h2>\n

\"\"<\/p>\n

If you\u2019re a first-time homebuyer with an IRA, you are allowed to withdraw up to $10,000 to purchase a primary residence without paying the standard 10% early withdrawal penalty.<\/p>\n

(Fun fact: if you haven\u2019t owned a home in the last two years, then you can count as a first-time homebuyer, even if you\u2019ve owned a home at some point in a past.)<\/p>\n

Since IRAs allow pre-tax contributions, you\u2019ll have to pay taxes on anything you withdraw. There are limits on the amount of money you can put into an IRA each year. Currently, that limit is $5,500, or $6,500 if you\u2019re over 50. So if you withdraw the money early, you can\u2019t just put the money back in later. You\u2019ll lose out on all the potential returns that money could have earned if you\u2019d left it alone.<\/p>\n

What about a Roth IRA?<\/h2>\n

\"\"<\/p>\n

If you have a Roth IRA, then you have already paid taxes on the funds you contributed. That means you can withdraw any funds you\u2019ve put into your Roth IRA whenever you\u2019d like, without paying any extra taxes. With a Roth IRA, if it\u2019s money you put in, you can take it back out. But before you empty your Roth IRA for your down payment: there are limits on taking out earnings or interest<\/i> that you\u2019ve managed to accumulate on your contributions.<\/p>\n

Similar to a traditional IRA, first-time homebuyers are allowed to withdraw up to $10,000 in earnings without a tax penalty if you\u2019ll be using the money to purchase a primary residence. After that, any additional earnings withdrawn would be taxed at your usual marginal tax rate.<\/p>\n

And just like a traditional IRA, there are yearly limits on how much you can put into a Roth IRA, which means the money you withdraw now can\u2019t just go back into your account later. Withdrawing those funds now means you\u2019ll be forfeiting any potential interest and future earnings you could have made with that money for the next few decades.<\/p>\n

Taking Money from Your 401(k)<\/h2>\n

\"\"<\/p>\n

The rules for accessing funds in a 401(k) are different than the rules for accessing the funds in an IRA or a Roth IRA. The most important difference for a homebuyer to know? Unlike an IRA, there is no special first-time homebuyer accommodation for withdrawing 401(k) money. <\/b><\/p>\n

Any early withdrawal from a 401(k) comes with some pretty nasty penalties. First, you could lose any unvested employer contributions. There\u2019s an automatic 10% early withdrawal penalty if you\u2019re under 59 and a half years old. (Your plan administrators might have their own cash out penalty fees as well.) And you\u2019ll have to pay taxes on whatever you withdraw.<\/p>\n

After all the fees and penalties for early withdrawal, the actual amount of cash you can use for a down payment might be significantly less than the amount printed on your quarterly statement. So keep that in mind.<\/p>\n

Instead of Withdrawing the Money, Consider Borrowing<\/h2>\n

\"\"<\/p>\n

If you absolutely must use funds from your 401(k) for your down payment: the IRS allows individuals to \u2019borrow\u2019 up to half of the vested balance in their 401(k) accounts, up to $50,000. (This option isn\u2019t available for IRA holders. It\u2019s just for employer-sponsored retirement plans.)<\/p>\n

Now, borrowing funds from your 401(k) isn\u2019t without drawbacks. The loan term is pretty short, usually five years: so you\u2019ve got to pay the money back quickly, with interest. (Technically, you\u2019re paying yourself<\/i> back. So instead of paying interest to a bank, you\u2019re paying the interest to yourself, which is nice.)<\/p>\n

Your mortgage lender will also count the monthly required payment back to your 401(k) like any other debt obligation, so a high monthly payment due to your 401(k) could negatively impact your debt to income ratio<\/a> and your potential mortgage eligibility.<\/p>\n

And if that isn\u2019t enough, borrowing from your 401(k) is risky if you don\u2019t have rock solid job security. If you lose your job or change employers while you\u2019re paying the loan back, you will be required to return all of the money at once, usually within 60 or 90 days of changing employers. Otherwise, your loan becomes a withdrawal, and you\u2019ll be stuck paying taxes and penalties on the amount you borrowed.<\/p>\n

Borrowing from your 401(k) is a short-term solution, at best. And it\u2019s not without costs or risk. Still, of all the ways you could potentially use funds earmarked for retirement to help you buy a home, a loan from your 401(k) could give you access to funds without derailing your retirement plans entirely. Also worth noting: while the IRS allows borrowing from your 401(k), your plan administrators may have more stringent limits than the allowable IRS guidelines. If you\u2019re considering borrowing from your 401(k), make sure your plan allows it and that you understand all of the details before you go through with it.<\/p>\n

Got all that? If you\u2019re interested in exploring other strategies for saving up for a down payment, we\u2019ve got you covered<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Saving for retirement is important for your future. But for people hoping to buy a…<\/p>\n","protected":false},"author":1,"featured_media":2184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[28],"tags":[43,79],"series":[],"class_list":["post-2182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","tag-down-payment","tag-first-time-homebuyers"],"acf":[],"yoast_head":"\nUsing Retirement Funds for Your Down Payment | Morty Resources<\/title>\n<meta name=\"description\" content=\"Cashing out retirement funds for your new home down payment can have significant early withdrawal penalities, tax and otherwise. 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