First, others are correct in that in a strictly financial sense you may be better off having a larger loan instead withdrawing from your Roth 401k. If the retirement money is managed correctly, it should be able to earn more
Those are good points from others.
I would just add a comment here: If you and your wife have not owned a home for more than 2 years, then technically your next home purchase would qualify as "first time home buyer," according
First of all, the Roth funds rolled from a 401(k) will be subject to a "new" 5 year restriction. So any earnings that you withdraw will be subject to taxes and penalties.
Second, pre-tax would be subject to
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