<prompt> Human: So I have been seriously considering buying a house in my area but currently dont really have the on-hand cash I would need for a down-payment on things. I havent been out of college very long, 1.75 years, so its not that Im not saving, it is just that my saving has been going towards emergency funds, retirement funds, etc I just havent had the time frame to save the appropriate amount of money for a house, Im otherwise happy with my budget and the amount of money I am saving.So with that said, I understand you can use up to 10k from an IRA as a first-time home buyer on a house, and that seems really tempting for me. Is this generally a good move or are there hidden issues with it that would end up hurting me in the long run?I plan on staying in the area, its just that rent is kind of high here, at least when compared to purchasing in the area. From what Im seeing it looks like I could buy something significantly nicer than any of the apartments for rent and have the same or lower monthly payments then renting. The down-payment is the biggest roadblock for me right now though.  <response>: You can remove contributions from a Roth at any time and you arent subject to any cap. I did it myself to boost my DP to get to 20 so I didnt have to deal with PMI. If youre able to put some of it back within 60 days its like the distribution never happened. Thats called a rollover. Otherwise its just removed, and you cant put it back except as new annual contributions. I managed to get about half what I took out back in as a rollover. 