<prompt> Human: My wife and I are preparing to buy our first house. If we take out 10,000 from our 401ks 5,000 from each we will have enough to cover a 20 down payment. If we put down 20 our mortgage payment would be approximately 985 a month and almost 355,000 total.Conversely, without the 401k money, our mortgage would be approximately 1,035 a month plus 35 for PMI and just over 372,128.This is obviously a substantial savings, however, if we leave the money in our 401k, assuming a 6 return over 30 years, that money would be worth 57,000.My wife thinks we are better off using some 401k money for the down payment. I think we should leave our retirement alone. We would like some input from the Reddit community!  <response>: Im assuming you arent buying a 50K house, that you have already saved up part of the down payment.Unless there are some compelling circumstances such as a baby on the way, or that you are trying to move out of a truly bad neighborhood Im in favor of leaving the 401Ks alone and continuing to save. 