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WebFacing financial hardship. Facing financial hardship. Learn how to apply for government programs to help with food, bills, housing, and more. ... If you plan to repair or renovate … WebSep 14, 2024 · Alternatively, you can withdraw up to $10,000 penalty-free for the purchase of a home for your spouse, parents, children, or grandchildren. Just like with a Roth IRA, your spouse can also withdraw $10,000 from his or her traditional IRA, so you can collectively obtain $20,000 penalty-free for a down payment if you’re married. WebOct 28, 2024 · However, if you're looking to use your 401 (k) to buy a home, there are two ways to get funds out of your plan before age 59 ½: 1. You can borrow money from your 401 (k) account which will need to be repaid with interest, or. 2. You can withdraw funds which will incur a 10% penalty and are fully taxable at your current tax rate. thief torrent