<prompt> Human: Little info about me and the situation: 28 years old, credit score of 780, first time homebuyer Roth IRA currently has 20k in it Traditional 401k has 30k in it Have a pension with 15k in it, fully vested, grows about 3kyear so long as I stay employed at my company Currently save 17 of my income per year towards retirement, all things considered Have 25k ready to put down without raiding the IRA Looking to buy a house in the neighborhood of 300k-350k Current income is 105kyear take home is 4900month There WILL be HOA fees associated with this place i know, i know, never join an HOA. This area in Metro NYC, I dont really have a choice.Pros and Cons as I identify them:Pro: more money towards down payment means less time paying PMIPro: more money towards down payment means less in interest and more towards principleCon: 10k out of retirement and will not earn 35 years likely more worth of interest  <response>: No. You make 105k per year. Save aggressively for 4 months and youll have the extra 10k for the down payment. But really, I would put this off another year until you have closing costs and a larger emergency fund for house repairs. 