<prompt> Human: I am looking to buy a home through NACA. In order to do so, I have to pay off some debt. I dont have the money to pay off the debt bank is asking 9900 but im sure will negotiate. Once this debt is resolved I can proceed to purchasing a house. I have 15k in my 401k minus an existing loan of about 1400. What can I do to proceed and buy a house? I know that you can take money out of your 401k for a primary residence but that requires a purchase agreement, etc which I wont have. Any suggestions?  <response>: Dont do it. 401k is for retirement only. Save up before buying a house. 